FNB Temporary Loan

Personal Loans Loan Rates

FNB temporary loan is a type of borrowing that is designed to be repaid over a short period of time, usually within a few weeks or months.

These loans are typically smaller in size than traditional bank loans and may be available to people with less-than-perfect credit histories.

The FNB loan is there to assist clients with quick access to funds to cover emergencies or unexpected expenses such as medical bills, or transport money to go to work until payday.

The greatest part about FNB temporary loans is that they’re offered at zero interest charged.

The repayment term for this loan is up to 31 days however it depends on you the customer, as soon as you have money, you can deposit it into your account to be deducted on the agreed date or you can simply transfer the funds into your temporary loan account to settle it.

These loans are good for those who are looking for money to subsidies an emergency without going too much into debt. The good part of the loan is that they will only charge a once-off initiation fee of up to 13% depending on the amount you qualify for.

As an FNB customer, you could get a temporary loan from R100 up to R10,000. Applying for this loan is so easy, and once approved the money will be deposited into your account immediately.

Temporary Loan Pros And Cons


  1. Quick access to funds: Temporary loans are often approved and disbursed quickly, which makes them a good option if you need money urgently.
  2. No collateral required: In most cases, temporary loans do not require you to provide collateral, such as your car or home, to secure the loan.
  3. Flexible terms: Temporary loans can have flexible repayment terms, which may allow you to customize the loan to fit your financial situation.


  1. High-interest rates: Because temporary loans are typically unsecured, they may come with higher interest rates than traditional bank loans. Fortunately, the FNB temporary loan doesn’t charge any interest but initiation fees only.
  2. Short repayment terms: Temporary loans must be repaid within a short period of time, which may be difficult for some borrowers to manage.
  3. Fees and penalties: Some temporary loans may come with fees and penalties, such as late payment fees, that can add to the cost of the loan.

Apply for the FNB Temporary Loan

You could apply for this loan via your APP, cellphone banking or internet banking.

  • APP: You need to download FNB App and link your card on the app.
  • Cellphone banking: You need to dial *120*321# on the number linked to your account.
  • Internet Banking: Please visit www.fnb.co.za to access online banking. You will need to have your online banking login details.

Temporary Loan Acceptance Methodology

In order to qualify for this loan, you need to meet, but not limited to the following basic criteria:

  • Have an active FNB Cheque Account or Easy account.
  • Be a south African citizen, 18 years or older.
  • Have a good credit score.

There are no documents required to apply for this loan. As an FNB customer, they will do an affordability and credit score assessment on your profile to see if you qualify or not.

Furthermore, the loan acceptance methodology for temporary loans in South Africa can vary depending on the lender and the type of loan being applied for.

However, there are some general requirements that most lenders will look for when considering a temporary loan application.

Here are some of the common factors that lenders in South Africa may consider when assessing a temporary loan application:

  1. Credit history: FNB will review your credit history to determine if you have a good track record of repaying loans on time. Having a poor credit history or a history of defaults or late payments, your temporary loan may be less likely to be approved.
  2. Income: The bank will 100% review the your income and employment status to determine if you have a stable source of income and will be able to repay the loan. I mean you could qualify for the maximum temporary loan of R10,000 and it must be repaid within 31 days.
  3. Affordability: They will also assess your ability to afford the loan repayments based on your income and expenses. If you have a high debt-to-income ratio may be less likely to be approved for a temporary loan.
  4. Other factors: The bank will also consider other factors such as the applicant’s age, residency status, and loan amount requested when making a lending decision.

Contact FNB

Please visit their website or APP for more info at www.fnb.co.za.

You can also call one of their consultants to enquire at 087 335 8630 Mon-Fri 8:00-16:30 and Sat 8:30-12:00.