Applying for an FNB Personal Loan
FNB publishes four handles for this product: the page at fnb.co.za/loans/personal-loan.html, the FNB App, USSD *120*321#, and 087 730 5596. FNB publishes no branch route and no separate web form for this loan, so those four handles are the whole list.
What you can do with published facts
- Confirm the ticket sits between R1,000 and R450,000 and that the term you want is within 72 months.
- Open the App, the USSD string, or the phone line listed above.
- Supply whatever the NCA affordability screen asks for. FNB publishes no document checklist for this loan, so let the affordability screen tell you what it wants rather than working from a list you found elsewhere.
- Wait for the pre-agreement statement. It must show the APR, the R69 service fee, initiation (R1,207.50 in the site example), and credit life when the term is longer than 7 months.
- Sign only if the Rand total matches what you can service. The site example of R30,000 / 24 months / 18% at R1,796 a month is an illustration, not your offer.
Why a file can fail
The NCA lets a registered provider decline when the affordability test fails or when TransUnion / Experian information does not support the instalment. FNB does not publish an approval-rate or a decision timer on the personal-loan page.
Help
087 730 5596 is the number on that page. There is no public loan email on the same URL.
