Rating based on 40 reviews


  • Consolidation loans up to R150,000
  • Low-interest starting from 10.5%
  • Repayment up to 60 months

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Author FNB. Screenshot of FNB website.
[Accessed January 24, 2023]

About FNB

At First National Bank they put their expert financial knowledge and competitive loan products to work to help people improve their financial situations.

If your debt is out of control and you're looking to consolidate, choose the company that has a reputation for success - choose FNB.

Competitive rates that offer you more for less

When it comes to competitive rates FNB offers South Africans only the best. You simply can't access a more affordable interest rate than that which they offer on their personal loans which are ideal for debt consolidation. If you want more for less coupled with great technology and fantastic customer service they're the lender for you.  

FNB Services

They typically offer personal loans of between R1 000 and R150 000 with a competitive interest rate that will help you save money should you use it to consolidate unmanageable debts.

Although they do not specifically offer a consolidation product this loan is ideal for this purpose.

Payless on interest every month

Their low-rate fast loans are ideal for use for debt consolidation purposes because you're likely to pay less in interest compared to the payments made on multiple high-interest debts. You can also increase the term of your loan to allow for lower monthly repayments which is typically what happens when you consolidate.  

FNB – Consolidation loan

  • Loan Type Consolidation loans
  • Interest Rate from 10.5%
  • Loan Amount up to R150,000
  • Repayment 30 days to 60 months
  • Decision 48 hours

Benefits of FNB

  • Quick and easy loan applications
  • Debt consolidation loan solutions
  • Lower interest rates

If your debt is out of control and you're looking to consolidate, choose FNB

Provided that you have sent them all of your supporting documents, including valid proof of address and your completed application form they will be able to process your personal loan application within 48 hours.

You can apply by visiting your local FNB branch or by completing the loan application online via their website.

They're professional, responsible and will not let you down

As professionals who are registered with the Financial Conduct Authority and strictly abide by the codes set out - they always ensure that the customers they work with are not bankrupt, blacklisted or in a bad financial situation that will be made worse by a debt consolidation loan. They also ensure customers who want to consolidate will actually benefit from the process rather than worsen their financial positions.

No time wasted

They understand the frustration that usually comes with getting a loan. This is why with them, they work hard to make sure that from the time you submit your application to the time when your funds are sent, you won’t have to wait for days- they get things done and they get things done fast.

They'll help you with your online application if you need it

If you choose to apply online you will still get a personal service just as if you were applying at one of their branches. Should you need a hand at any point with your application, simply get in touch and a friendly customer agent will answer your questions as quickly and efficiently as possible.

You can count on them

Their team is not only highly skilled and professional, but they are also human and therefore are understanding and compassionate. They like to listen to their customers, to take the time to get to understand their situation so that they can assess you more holistically and design a loan that will fit your circumstances. They hold themselves to a very high standard and put a lot of effort into maintaining customer service that is second to none. This hard work, dedication and complete commitment to you is why you should trust them to help you with taking control of your debts.

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FNB is a trusted & reliable provider of consolidation loans

In our review, FNB adheres to the compliance criteria in accordance with the National Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ FNB is a registered credit provider in South Africa: NCRCP16

Customer Reviews & Testimonials

October 2018

I got a very affordable rate for my loan so I'm really pleased

Johan B
— Pretoria —

January 2019

I heard back from FNB so quickly which was great because I didn't have to wait long to hear the outcome of my application.

Siyabonga N
— Bloemfontein —

March 2019

FNB's customer service is amazing. I had to call customer care because I needed clarity with something regarding my application. The lady who helped me was just so wonderful, it felt like I was t...

Mari-Ann R
— Polokwane —

FNB Contact

Physical Address

  • 13, Thebe Hoskins House, 4 Breda St & MILL Street Cape Town Gardens 8001 South Africa
  • Get Directions

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday 08:30 – 13:00
  • Sunday – Closed