FNB Smart Spend Loans

FNB Smart Spend Loans

FNB Smart Spend Loans are available from R1 000 t0 R200 000 with up to 60 months to pay. FNB smart spend loans are available if you are between the age of 18 and 65 (you must have repaid the loan by your 65th birthday) and you can qualify whether you are an FNB customer or not.

The amount you can borrow will depend on your individual profile and affordability.

How you use the loan is entirely up to you. Some of the things you can use the loan for include payment of medical bills or home renovations.

A fixed interest rate will mean that the payment you make each month remains the same. This will help you with better budgeting.

Benefits of FNB Smart Spend Loans

1  Take a break in January from repaying your instalments

2  Fixed interest rates which means your repayments are not affected if interest rate goes up

3  Settle your account early or makes additional payments without penalties

4  Existing FNB customers get lower interest rates

5  Credit insurance which covers any outstanding balance in the event of disability, retrenchment or death

Requirements To Apply For FNB Smart Spend Loans

  1. Valid South African /id
  2. 1 month’s pay slip
  3. 3 months bank statement for non-FNB customers
  4. Proof of residence
  5. Need a minimum monthly take home pay of R700 after meeting all financial obligations

FNB Smart Spend Loans Contact Details

Application for FNB smart spend loans can be done online at or you can complete the call me back form online or alternatively phone them on 0860 100 762.


Visit The Loan Calculator Page