Rating based on 23 reviews

FNB Car Finance

  • Car finance up to R200,000
  • Low-interest starting from 10.25%
  • Repayment up to 72 months

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FNB Bank homepage
Author FNB Bank. Screenshot of FNB Bank website.
[Accessed January 23, 2023]

About FNB Bank

Over the years, First National Bank has provided thousands of South Africans with car loans that were not only affordable and offered ideal terms but met their needs and enabled them to purchase the vehicles of their dreams.

To this day, their car loans are the most competitive on the market and work hard to serve the people.

Working hard for you - their customer

FNB has some of the best recruitment policies in the country and strives to develop its people through appropriate training, skills development initiatives and further studies. They have one of the best and most appreciated customer service training programmes that ensure their people deal with customers in a professional, efficient and friendly manner at all times.

FNB Bank Services

FNB is one of the country's largest and most technologically advanced banking institutions offering customers some of the most advanced, affordable and appropriate credit services and products from everyday debit accounts to vehicle and home loans they have the best and widest range.

Financing your vehicle through FNB

They offer instalment sale agreements which offer you between 12 and 72 months to repay the loans and either fixed or variable interest rates linked to prime. With this form of vehicle finance, you own the vehicle once your loan is repaid in full. They also offer lease agreement finance which allows you to effectively lease the car and either return it at the end of the loan term or purchase it outright.

FNB Bank – Car loan

  • Loan Type Car finance
  • Interest Rate from 10.25%
  • Loan Amount up to R200,000
  • Repayment 160 days to 72 months
  • Decision 24 hours

Benefits of FNB Bank

  • Fixed interest rate
  • Comprehensive travel insurance
  • Revolving car loan

Car loan calculator

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

FNB is one of the country's largest and most technologically advanced banking institution

FNB has made an effort to make the vehicle purchasing process as simple and stress-free as possible.

Their website has a comprehensive collection of information that they highly recommend that you review prior to apply for a loan with them. They recommend that you conduct the necessary research, consider the financial and legal aspects, work out how much you can afford every month and finally use their guides to purchasing a car.

Choose between an instalment sale agreement and a lease agreement

Once you have conducted the necessary research it is then time to decide whether you want to opt for an instalment sale agreement or lease agreement. If you want to own your vehicle at the end of the loan term you should opt for the instalment sale agreement which will ensure ownership of the vehicle will be transferred to you at the end of the car loan term.

Calculate the best loan for you

Yes, you can find the best loan for you by using the calculator that they provide you.  Get peace of mind by finding out how much your loan would cost you every month all you need to do is the following. Find the sum of money that you would like to loan and then place it in the bracket and the number of months that you would like to loan for and you will see how much you will pay back on your loan per month. Their company will even show you the amount that you will be paying back in full for your loan period.

They have the app for you

Letting you know that your finances are safe. They would like you to be able to keep track of your bank account or your loan and now you can do that. All you have to do is download their app to your phone or even your tablet. Better yet is that you can make sure that all your transactions go through

They give back to you

Join them and they will give back to you. You can earn e-bucks with every transaction that you make. How great is that? You earn when you spend all you have to do is link your account up with E Bucks and you will get back.

man holding thumbs up

FNB Bank is a trusted & reliable provider of car finance

In our review, FNB Bank 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 Bank is a registered credit provider in South Africa: NCRCP16

Customer Reviews & Testimonials

July 2018

The best part about FNB is that it doesn’t matter which city you live in there is always a branch you can visit for more information.

Marianne W
— Port Elizabeth —

October 2018

I love the app on my phone now I can make sure that all my payments go through without hassles.

Warren D
— Cape Town —

January 2019

I applied for my loan using the online application and was approved within 24 hours the loan calculator comes in very handy when you want to see how much you will pay per month.

Fredrik B
— Johannesburg —

March 2019

I found the Ford Ranger of my dreams, and the payments per month are affordable and applying for finance is quick and easy

George M
— Cape Town —

FNB Bank Contact

Physical Address

  • 13, Thebe Hoskins House, 4 Breda St & Mill Street Cape Town Cape Town CBD 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 – 12:00
  • Sunday – Closed