FNB Personal Loans and Credit Cards – First National Bank popularly known as FNB is among the biggest financial banking institution in South Africa, being among the top 5 largest banks and offering various financial services that include banking, business and personal loan solutions among others.
FNB is part of the financial services conglomerate First Rand Group and is listed both on the Johannesburg and Botswana Stock Exchanges.
FNB Brief History and Footprint
FNB traces its humble origins to Eastern triocrees Province Bank which was formed in 1838, and according to their website are the oldest bank in South Africa.
FNB operates its various banking subsidiaries in countries like Botswana, Eswatini, Mozambique, Namibia, Zambia, Ghana, India, Lesotho, South Africa, Tanzania and Guernsey.
FNB Personal Loans
Personal Loans from FNB are the type of credit solutions that allow you to live your best life, whether you want to purchase your dream car, buy a home to start raising your family or even getting some money to invest in that dream business you have been wanting to establish.
Their FNB Personal Loans give people wanting finance as much as R300 000 which comes with personalized interest rates of up to12.75 per annum depending on your personal credit score.
FNB Personal Loans can also come in the form of Vehicle Loans to help you purchase vehicles not older than 10 years, Home Loans that help you realize your home ownership dreams, Revolving Loans and Overdraft Loans.
These loans are a great way to take care of your planned or unplanned financial needs, and also allow you to consolidate your existing loans into one loan through FNB that will make you manage your finances much easier.
FNB Personal Loans Benefits
Easy Application
You can easily apply for a personal loan from FNB via their online banking, app or in-branch. When you are approved the money is paid out to your bank account instantly, allowing you to use it for whatever you needs are immediately.
Tailored Interest Rates
With a Personal Loan from FNB you can get personalized fixed interest rates from as low as 12.75% per annum.
Fixed Repayment Terms
Personal Loans from FNB offer you fixed repayment terms that stay the same throughout the loan tenure, meaning what you pay every month will remain the same until your loan if fully paid up.
No Penalty Fees
If you decide to pay up your loan much earlier than the full loan term you wont be charged any penalties, which is a great way of clearing your debt.
Credit Life Insurance
FNB makes sure that you are covered with their Credit Life Insurance which will settle all your outstanding loan debt should you become unable to continue paying off your loan due to retrenchment, disability or death.
Annual Percentage Rate (Interest Rates and Associated Fees)
R300 000 / 60 months loan example
When you take out a R300 000 loan with a repayment plan of 60 months you will be charged interest and fees totaling R107 255.41 making a total repayment of R407 255.41.
Loan Amount: R300 000
Loan Term: 60 months
Interest Rate: 12.75
Monthly Repayment: R6 787.59
Total Interest: R107 255.41
Total Payment: R407 255.41
FNB Credit Cards
Gold Credit Card
The Gold Credit Card is available to account holders who earn an annual income ranging from R84 000 to R359 999 and comes with many value added benefits that include free automatic debt protection, free AA Emergency Roadside Assistance, access to exclusive offers and free global travel insurance. Additional benefits include personalized interest rates, auto payment solutions, balance transfer and as much as 55 days interest free.
Premier Credit Card
The Premier Credit Card is available to account holders that earn an annual income ranging from R240 000 to R749 999 and comes with benefits that include personalized interest rates, a team of Premier Bankers, SLOW Airport Lounge access, exclusive offers at preferential prime rate, free Global Travel Insurance, AA Emergency Roadside Assistance and automatic debt protection.
Private Clients Credit Card
The Private Clients Card is available to account holders that earn an annual income ranging from R750 000 to R1 499 999 and comes with access to your own private banker, free Global Travel Insurance, SLOW Lounge access, personalized interest rates, lost card protection and much more.
Private Wealth Credit Card
The Private Wealth Card is available to account holders that earn over R1 500 000 annually and this card allows you to enjoy the finer things in life.
With this card you can earn as much as 40% back in eBucks on streaming services like Netflix and Spotify, up to 15% back in eBucks at Clicks, dedicated private bankers, SLOW Lounge access, free Global Travel Insurance, AA Emergency Roadside Assistance and much more.
Requirements to qualify for FNB Loans or Credit Cards
Basic qualifying requirements for both FNB Personal Loans and Credit cards includes the applicant being over the age of 18 years, must be permanently employed or self employed, must be a permanent resident of South Africa and must have their salary or income directly paid into their FNB bank account.
Free Credit Score Report
Your Credit Score is a number that financial institutions use to determine whether or not you qualify for their various financial services.
This score is determined by factors such as loans you have, whether you pay them on time or not, and knowing your credit score is important because it tells the bank that you are responsible or irresponsible when it comes to financial matters.
FNB can help with a free credit report and can assist you with some financial tips to help you stay on top of your financial matters.
FNB Universal Branch Code 250655
For making online EFT payments you can use the universal 6-digit branch code of 250 655, and whats more important is that transactions are processed much faster using this branch code.
If you want to use branch specific codes you can make use of the FNB branch locator tool provided on their website, which will give you the branch name, the branch code and the branch contact numbers.
FNB Swift Code FIRNZAJJ
To make or receive international payments you will need to make use of FNB’s Swift Code FIRNZAJJ which is a unique identifier for FNB Bank, with each bank having its own unique swift code.
FNB Bank Contact Details
Personal Loans Contact Number: 087 730 5596
Credit Card Contact Number: 087 575 1111
Credit Card Email: fnbcard@fnb.co.za
Customer Service Number: 087 575 9404
Address: Simmonds St, Johannesburg, 2001
NB: Visit our loan calculator page
