FNB is a Registered Financial Service Provider / NCRCP16

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About FNB

At First National Bank we put our 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 offer South Africans only the best. You simply can't access a more affordable interest rate than that which we offer on our personal loans which are ideal for debt consolidation. If you want more for less coupled with great technology and fantastic customer service we're the lender for you.  

What FNB can offer you

We 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 we do not specifically offer a consolidation product this loan is ideal for this purpose.

Pay Less on Interest Every Month

Our low rate fast cash 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.  

In a Nutshell

  •  Loan minimum R 1,000.00
  •  Loan maximum R 150,000.00
  •  Interest rate From 10.5% per annum
  •  Loan term minimum 31 days
  •  Loan term maximum 60 months
  •  Average processing time 1 to 48 hours
  •  Online application
  •  In-store application
  •  Unsecured loan option
  •  Secured loan option
  •  Early repayment

Apply Personal Loan to Consolidate Debt

Provided that you have sent us all of your supporting documents, including a valid proof of address and your completed application form we 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 our website.

We're Professional, Responsible and will not let you Down

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

Eligibility & Requirements

  •  Over 18 but under 65
  •  Employed full-time
  •  Credit check
  •  Good credit history
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Bank Acounts
  • Credit Cards
  • Saving Acconts
  • Home Loans
  • Business Loans
  • Overdrafts
  • Student Loans
  • Insurance

Contact Details

 Visit Website


 Physical Address

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

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 –