April 25, 2014

FNB SmartSpend Loan and Personal Loan

Fnb Personal LoansFnb Personal Loans

 

FNB SmartSpend Loan and Personal Loan Introduction – [back to top]


Fnb Personal Loans

What is the Smart Spend Loan and Personal Loan from FNB? A Smart Spend Loan is a small personal loan which is at your dispense for anything you want to use it for. This is a handy loan since you can consolidate all your debt with this loan and thus improving your life circumstances. You can also buy anything you like with the loan for the house like appliances. You can also use it for home maintenance and improvements. How much it will cost in terms of monthly payments will depend on your risk profile and the terms of the loan.

FNB SmartSpend Loan and Personal Loan Benefits – [back to top]


Benefits of the: SmartSpend Loan and Personal 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 installment
- Repayments are done via a monthly debit order and your installment 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.

FNB SmartSpend Loan and Personal Loan Additional Info – [back to top]


To qualify, you:
- must be between the ages of 18 and 63 years old
- need a minimum monthly take home pay of R700 after meeting all your current financial obligations, including your new loan
- must have owned an active bank account for at least 3 months
Required documentation:
- Valid South African green bar coded ID.
- 3 months bank statement for non-FNB customers
- One months’ payslip/s 1 for monthly paid/ 2 for fortnightly paid/ 4 for weekly paid
- Proof of at least 6 months employment.

Approved.co.za’s Personal Loans In LOANS has no affiliation to FNB or the SmartSpend Loan and Personal Loan product offered by FNB or it’s subsidiaries.

FNB SmartSpend Loan and Personal Loan Review – [back to top]

 

Smart Solutions from FNB Smart Spend and Personal Loan

What is the Smart Spend Loan and Personal Loan from FNB?  A Smart Spend Loan is a small personal loan which is at your dispense for anything you want to use it for. This is a handy loan since you can consolidate all your debt with this loan and thus improving your life circumstances. You can also buy anything you like with the loan for the house like appliances. You can also use it for home maintenance and improvements. How much it will cost in terms of monthly payments will depend on your risk profile and the terms of the loan.

There are many benefits of the SmartSpend Loan and Personal 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 installment
  • Repayments are done via a monthly debit order and your installment 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.

What can you do with this?

  • You can improve your life by consolidating all your debt
  • You can buy anything you like for example house hold goods and appliances
  • You can use it for home maintenance.

You can use this at your own discretion

A Smart Spend loan is for personal use and this implies that FNB does not dictate what the loan is to be used for. You may access your account and even perform transfers through the following facilities from your FNB transactional account:

  • ATMs
  • Telephone Banking
  • Cellphone Banking
  •  Online Banking

First, you have to qualify. To qualify you:

  • must be between the ages of 18 and 63 years old
  • need a minimum monthly take home pay of R700 after meeting all your current financial obligations, including your new loan
  • must have owned an active bank account for at least 3 months

The following are the required documentation:

  • Valid South African green bar coded ID.
  • 3 months bank statement for non-FNB customers
  • One months’ payslip/s 1 for monthly paid/ 2 for fortnightly paid/ 4 for weekly paid
  • Proof of at least 6 months employment.

If you are ready to contact the bank, the number to call is 0861-40-40-40. You may also go to your nearest FNB Branch soon. The bank representatives will be happy to entertain you and provide you with the right solution to your needs. Make that call now!

 

FNB SmartSpend Loan and Personal Loan loans ProductFNB SmartSpend Loan and Personal Loan loans Product

 

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