FNB checks your income, employment history and bill payments to assess whether you can afford the instalments. Start with that repayment capacity.
New to FNB? Prepare your South African ID, proof of address and proof of income
To enable payout, accept DebiCheck. Without confirmation before 20h00, the mandate may expire and need reactivation the next business day.
CPP excludes unemployment, inability to earn and occupational disability cover if you were self-employed or in informal work when the plan started.
Your interest, insurance and fees work together
Your fixed interest rate is personalised using the current prime rate. Beyond seven months, credit life cover is compulsory. CPP premiums join your instalment.
FNB charges R69 monthly. Initiation costs up to R1,207.50, except Top-Up; Credit Switch is exempt from 1 July 2026. Quoted CPP premiums leave your loan account monthly.
The essentials you need to apply for your loan
Have proof ready for your customer status alongside these essentials.
- You’re 18 to 69 and a permanent SA resident.
- You’re permanently employed or self-employed.
- Your salary must be paid directly into your own bank account.
- Self-employed or on commission, you need steady deposits.
Start your request and authorise repayments
- Start in the FNB App or call 087 730 5596.
- Submit all documents needed for your application.
- Accept DebiCheck through FNB or your own bank.
Your application questions
Can FNB waive documents after three months of stable income into my FNB account?
Yes, with current SA green barcoded or smart ID and address proof up to three months old. Changed income may need three months’ income proof.
New to FNB: what must I provide with my SA green barcoded or smart ID?
Add address proof up to three months old and three months’ payslips or bank statements. If self-employed, use ITA34 or a three-month statement.
What income proof might I need with variable earnings?
You may need ITA34 or three months’ non-FNB statements if self-employed; for commissions, three months’ statements or payslips.
How soon could my approved loan reach my account?
If approved, same-day payout is possible once you’ve submitted every required document and accepted the DebiCheck mandate.