Rating based on 24 reviews

FNB Loans

  • Short-term loans up to R360,000
  • Low-interest starting from 10.5%
  • Repayment up to 60 months

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FNB homepage
Author FNB. Screenshot of FNB website.
[Accessed January 19, 2023]

About FNB

If you are in need of a cash boost, you've come to the right place if an online short-term loan is what you need to make things happen.

Maybe you need to pay for a school trip or a much-needed weekend away to show your spouse the love. Even if it's giving your kitchen a make-over from that horrible yellow that not even grandma likes, FNB can help you to do all that.

For the longest time, FNB has been helping South Africans to reach their goals by assisting them financially. You can also become a part of a family that puts you first.

Why FNB should be your go-to bank

FNB is without a doubt South Africa's oldest bank. In a small town in the Eastern Cape called Grahamstown, the seed was sown in 1838 that eventually became the bank South Africans have known and trusted for years.

The history behind the FNB of today is a rich and at times, challenging one. They've managed to survive the toughest challenges through many years by keeping true to their founding fundamentals.

Staying consistent in what they believe and never failing to bring its customers only the best service has proven to be the secret behind the success that FNB has grown to become.

Choose a bank that chooses you

There are so many social and environmental issues in communities today and it's heart-warming to know that FNB has recognised these issues. Not only have they recognised these issues but made it a high priority to bring positive change.

By being aware of what it entails to run a bank as big as FNB, they have many policies to conserve things like paper and electricity. These policies have been well-thought through and have made a positive change.

FNB Services

When it comes to service, FNB is in a league of its own. There's no compromise on customer service. FNB strives to uphold its values at all times and they know that their clients are their success stories.

Satisfied customers is the pride of FNB

They've made it their mission to ensure customer satisfaction on all levels and with every product they offer.

You can be sure that a bank with a rich and successful history such as FNB will have your best financial interests at heart. They're able to assist with credit cards, home loans, student loans, and so much more.

A Short-term loan for a long-term goal

There are many different reasons why people need access to a loan. Whatever the reason is, FNB understands that things need to be taken care of and they are there to help. These loans enable people to do that little bit extra and enjoy a longer period to repay.

The short-term loan at FNB is based on affordability and can give you access to up to R360 000 with up to six months to repay. This can give you the cash you need to do everything in one go.

At FNB you are spoilt for choice. There are many different loan amounts with tailored repayment terms. So even if you need that little boost that is not quite as much, there is an option for you too.

Get the finest financial services 

People tend to make more use of any institution that offers variety. At FNB the choices are almost endless. They offer online short-term loans, home loans, student loans, and so much more, and they also have a range of other services.

FNB can assist you with managing your wealth, investing, vehicle finance, and student loans. The range of products and services is vast and each one can be tailored to suit your individual needs.

FNB – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 10.5%
  • Loan Amount up to R360,000
  • Repayment 30 days to 60 months
  • Decision 48 hours

Benefits of FNB

  • Apply in 3 easy steps
  • Short-term loans up to R360,000
  • Low-interest rates starting from 10,5%

Short-term loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This short-term loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

FNB has the perfect short-term credit solution for you

Before applying for a loan from FNB you need to make sure that you have all the documents required to complete the application form. This makes the process smooth and hassle-free.

The documents you need are the following: 

  • You will need your South African ID or a valid passport that shows residency.
  • To prove where you live you will need any account not older than 3 months that was sent to you at that address.
  • You will need a payslip or a bank statement showing your income as well as your monthly expenses.

When you have all of the above-mentioned documents ready and you tick all the boxes for the required criteria, which will be outlined below, you are ready to start with your application.

Criteria for applying for a loan: 

  • You have to be 18 years or older.
  • You need to have permanent employment.
  • Your salary needs to be paid into your bank account.

Steps to apply for a loan:

On the FNB website under the loan option, you can click on apply now. You are then directed to the first page of the application where you will enter your ID number and your cell phone number. After entering this you can click on next.

You can then complete the rest of the application form and follow the instructions on uploading your documents. You will be notified when everything has been received and as soon as the application has been reviewed.

They will supply you with a quote and if you accept it, the necessary documents will be sent for your signature. After signing everything you will have to send it back.

Once they have received all signed documentation your loan amount will be paid into your bank account.

Benefits of dealing with a bank like FNB 

  • FNB is the oldest banking institution in South Africa
  • They tailor your loan to suit your needs
  • FNB is a trustworthy bank
  • World-class customer service

Switch to a bank that makes you feel at home

When applying for a short-term loan in South Africa it is important to make sure that you make use of a reliable and trustworthy financial institution. FNB has a brilliant track record in this regard and has been a trusted name in South Africa for many years.

Partner with FNB today and become a part of a bank that makes you feel like family.

man holding thumbs up

FNB is a trusted & reliable provider of short-term 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

February 2019

FNB has one of the quickest and most convenient ways of applying for a short term loan.

Nokwanda M
— Queenstown —

April 2019

I was assisted by one of the most patient agents FNB has! Thank you so much for your help.

Johan P
— Potchefstroom —

August 2021

I required a short-term loan and a friend referred me to FNB. I was pleasantly surprised with the application process as it was super-easy. I am glad I chose to partner with FNB.

Ngobeni S
— Nelspruit —

September 2021

I have been banking with FNB my whole life and I would like to say thank you for being such a great bank. They go above and beyond to keep me happy and they are always there when I need them.

Ngwenya S
— Bloemfontein —

November 2021

My husband suggested that we get a short-term loan from FNB to do some work on our home. I went online and could not believe how easy it was to apply for it. We had an answer the following day.

Vosloo B
— Port Elizabeth —

FNB Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 16:00
  • Tuesday 09:00 – 16:00
  • Wednesday 09:00 – 16:00
  • Thursday 09:00 – 16:00
  • Friday 09:00 – 16:00
  • Saturday 08:30 – 12:00
  • Sunday – Closed