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FNB has several personal loan options available to meet your needs. Personal loans are normally repaid with consistent monthly payments over time and are great for home projects, debt consolidation or other expenses.
Personal loans are available to eligible FNB checking account holders. Terms and conditions apply. Clicking this link will take you to a third party website not owned or operated by FNB.
Unsecured Installment Loan
An unsecured personal loan is money that you borrow based on your creditworthiness and promise to repay, rather than using an asset like a car or home as collateral. It’s a good option if you need funds for an unplanned expense, debt consolidation or major purchases. But responsible borrowers should shop around to make sure they’re getting the best terms.
An FNB personal loan short term loans online south africa offers competitive interest rates and flexible repayment options. It’s ideal for financing a new or used vehicle, paying off a high-interest debt or making a home improvement project. You can apply online or with a bank specialist.
To qualify for an unsecured personal loan, you typically need a good or excellent credit score and steady income. The most creditworthy borrowers will likely receive the lowest interest rates.
If you’re unsure about your credit score, try getting a free Experian credit report and FICO score to see where you stand. You’ll also want to consider alternatives to unsecured personal loans, such as credit cards. Using these can help you manage your spending and pay off debt quickly. However, they can come with high fees and interest rates. Also, you’ll need to be careful not to max out your card, which can affect your credit score. Lastly, make sure you’re applying with a trusted lender.
CashPlease Small Dollar Loan
As an affordable alternative to high-interest payday loans and cash advances, our Small Dollar Loan offers a simple application process that requires minimal documentation. It is based on an ability to repay assessment, rather than creditworthiness, and is designed to meet federal and state consumer lending regulations.
Millions of consumers endure high fees from predatory payday loans and overdraft penalties each year. These costs erode incomes and cause financial stress. FNB is able to help with the Small Dollar Loan, an online loan program that bridges the gap between paychecks and avoids costly payday loans and credit card overdraft fees.
This turnkey, digital solution is fully automated and requires no additional support staff or loan officers to manage. It uses Velocity’s proven proprietary underwriting technology that combines alternative data with traditional credit scores to determine eligibility and approve a short-term loan. The funds are then deposited into the borrower’s account.
This product is available to members ages 18 or older with an eligible FNB checking account, including Lifestyle, Freestyle, Student, Workplace Banking, Private Banking Select, or Preferred Interest Checking accounts. To get started, select CashPlease under More menu in your online banking account. It takes minutes to apply and receive a decision. Terms and conditions apply.
Personal Loan
When you need extra cash to cover an unexpected expense, a personal loan from FNB may be the solution. These loans offer a flexible repayment term that can be tailored to fit your needs. They can be used for anything from a new or used vehicle, vacation, home improvement projects, debt consolidation and more.
Our personal installment loans can be structured to meet your individual budget and are competitively priced. When you’re ready to apply for a personal loan, please contact one of our friendly loan officers to get started. Just provide your three most recent pay stubs and/or the most recent year of taxes and your loan officer will take it from there!
*FNB Check Sure requires an active FNB checking account (Lifestyle, Freestyle, Student, Premierstyle or Workplace First) and a positive balance. A monthly statement will detail charges, payments and available credit. Payments can be scheduled online 24 hours a day, but they are credited to your account only during business hours.
The link above will direct you to a third party website not owned by FNB. The products, services and information provided by this third party are not offered by FNB and are subject to the terms and conditions of use as well as privacy policies of the third party website. Your privacy is important to us, and we are committed to protecting your privacy.
Real Estate Loan
The purchase of a new home is one of the most important financial decisions you may make in your lifetime. FNB offers a variety of lending options designed to help you achieve your dream of homeownership.
Competitively priced personal installment loans with regular monthly payments over a set period of time. These loans are great for a wide range of needs such as buying a car, paying for a vacation, debt consolidation or a home project. Talk with a loan officer to determine the right loan for you.
Our HomeReady Mortgage loan is ideal for first-time and repeat homebuyers who have limited cash for a down payment. HomeReady features innovative income flexibilities that will allow you to buy the house of your dreams at a more affordable rate.
Our VA Home Loan program allows active-duty military and certain veterans to buy a home at an affordable rate. FNB also provides a USDA home loan for families in rural and suburban areas. Talk to a FNB loan officer for more information.
