FNB  Smart Spend loan is available to FNB and non-FNB clients who are in need of a financial kick-start to get them going. You can take out the loan as an individual or as part of a loan scheme negotiated with your employer. Loans from R2 000 or more, depending on your financial profile, with flexible repayment periods from 6 to 60 months are available.

Features of an FNB Smart Spend Loan

• Take a loan from R2 000 or more, depending on your financial profile, with flexible repayment periods from 6 to 60 months.
• You get to take a break every January from paying your loan instalment
• Repayments are done via a monthly debit order and your instalment amount will remain fixed over the loan period, even if interest rates go up.
• The loan is offered with insurance which covers the original loan amount in the event of death, retrenchment, dread disease as well as temporary and permanent disability.
• You can get a valid quote for 10 days within which you can either accept or decline the loan offer.
• You get to choose either a voice-logged contract or a paper-based contract that is face to face with our branch consultants in any of our branches.
• Individuals banking with FNB, will get lower interest rates.