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Financial planning

Overview

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Overdraft

Only pay when you use it! An overdraft is a convenient credit facility linked to your account that gives you the confidence to manage your personal finances.

  • Easy access to a credit facility so that you can handle unexpected events
  • No fees unless you use more than R200 of your limit. If you don't use it, you won't pay a monthly overdraft fee
  • Flexibility as payments made into your facility make the funds available for use once more.
  • A credit limit and interest rate that is dependent on your credit profile
  • Optional Debt Protection available in case of your death, permanent disability, retrenchment or temporary disability

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Revolving Loan

A revolving loan is a line of credit that is payable in fixed monthly installments. The product is unique in that once 15% of the loan has been repaid; you can borrow again - up to your original amount.

  • No initiation fees
  • Fixed monthly repayments - making it easier for you to budget
  • It's a continuous line of credit and is available to you for as long as you need it
  • The ability to access the funds at any time, provided that you have paid up to 15% of the revolving loan
  • You get a competitive and affordable, personalised interest rate
  • Optional Debt Protection available in case of your death, permanent disability, retrenchment or temporary disability

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Temporary Loan

A Temporary Loan is a short-term, easy to take up loan which is available for use immediately.

  • Immediate access to funds to cater for emergencies and cash-flow constraints.
  • No applications forms to complete, and no waiting time.
  • The funds are immediately available in your transactional account.
  • No interest will be charged for the temporary loan.
  • Enjoy convenience: Any deposits made into your FNB transactional account from the day after taking up the loan may be allocated towards the payment of the loan.

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Buy a home

Get expert advice when buying or selling a property with Property Leader including comprehensive property and area reports, and pre-approved finance upfront

If you are an existing FNB Home Loans client you don't need to move because you can move to a new home without moving your home loan plus save 100% on attorney registration fees.

Borrow

Let us help you buy what you need when you need it

Whether you need to get hold of extra cash for unexpected expenses or if you are buying a home, the Premier team is there to make it easy for you.

When you have a specific need

Once-off credit or ongoing credit

Overdraft

Only pay for it when you use it and get a personalised interest rate.

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Credit Card

A lifestyle enabler for everyday use

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Revolving Loan

Flexible credit for disciplined individuals

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Personal Loan

Hassle-free credit for larger planned and unplanned expenses, with a rate from as low as 13.25%

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Temporary Loan

Instant credit that you can pay back with your next salary

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Buy a home

Let us help you.

Buying a home is both exciting and scary but with Premier you need not worry. So before your search begins let us help by making it easy for you.

First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).