FNB Personal Loan next to other NCR bank loans
This comparison uses FNB facts from fnb.co.za/loans/personal-loan.html and published figures from three other South African lenders. No FNB APR is estimated here.
Side-by-side published limits
| Lender | Published amount | Published term | Rate note on file |
|---|---|---|---|
| FNB Personal Loan | R1,000–R450,000 | Up to 72 months | Long-term 15.15%–28.00% p.a. (NCA max); short-term up to 5% a month |
| Standard Bank Personal Loan | R3,000–R300,000 | Up to 72 months | Listing APR from 12.5% |
| Capitec Personal Loan | R1,000–R500,000 | 7–84 months | Published floor 12.50% a year on the May 2026 rates page |
| Absa Personal Loan | Up to R350,000 | Up to 84 months | Listing APR from 13.75% p.a. |
FNB versus Standard Bank
FNB’s printed ceiling (R450,000) sits above the Standard Bank listing ceiling (R300,000). Both show a 72-month outer term. Standard Bank’s listing starts at 12.5%; FNB’s official long-term floor is 15.15% and the site still hides your personal APR. Read both quotations. Open the Standard Bank Personal Loan overview.
FNB versus Capitec
Capitec’s listing reaches R500,000 and 84 months, with a published floor of 12.50%. FNB stops at R450,000 and 72 months but prints a full long-term band up to the 28.00% NCA cap and a short-term cap of 5% a month. Capitec’s longer term can shrink the instalment and raise total interest. Compare the NCA totals, not the headline floor. Capitec Personal Loan overview.
FNB versus Absa
Absa’s listing tops out at R350,000 with terms to 84 months and an APR from 13.75%. FNB offers a higher rand ceiling and a shorter maximum term, plus the FAQ rules on credit life, top-up initiation waiver, and Take-a-break. Absa Personal Loan overview.
Verdict on published facts only
Pick FNB when you need up to R450,000, a fixed instalment, and you already use the FNB App or *120*321#. Do not assume a rate below 15.15% long-term unless the quotation says so. Confirm NCRCP20 on ncr.org.za before you sign.
