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Product Guide: FNB Vehicle Finance

FNB Dealership Finance

Comparison Overview:

  • Product: Dealership Finance
  • Repayment Period: not specified
  • Max Finance Available: not specified
  • Min Finance Available: R30,000.00
  • Interest: variable
  • Balloon Payment Yes/No: Yes
  • Minimum Requirement: vehicle max 10 years old, buy vehicle from dealership

Product Overview

The FNB Dealership Finance offers a tailor-made vehicle finance solution with a choice or fixed or variable rate. You also have the option of a balloon payment or residual value to match your agreement choice.

What the FNB Dealership Finance Deal allows you to do:

  • Buy a vehicle from a dealership
  • Buy a vehicle up to 10 years old
  • Finance a vehicle for at least R30 000 after deposit
  • Determine your repayments with the vehicle repayment calculator
  • Understand how much you can buy for with the Vehicle purchase price calculator

Value Added Products include

  • Retrenchment policy
  • Deposit protector
  • Courtesy car policy
  • Access to vehicle auctions

What can you expect?

  • Personalised interest rates
  • Immediate feedback on your application
  • Finance vehicles that are up to 10 years old
  • Choose between an instalment sale or a lease agreement

Make sure you are covered with the following insurance options so that you are always taken care of:

  • Comprehensive Insurance
    • Covers vehicle to protect the customer and FNB
  • Cover Plus
    • The shortfall insurance which covers the difference that is owed to FNB and the insurance payout
  • Customer Protection Plan (CPP)
    • Covers the outstanding balance in the event if death or permanent disability
  • Vehicle Warranty
    • Covers mechanical breakdown after the manufacturer's warranty expires

How do you qualify?

You need to be permanently employed, over 18 with a driving licence and earn at least R6,000 per month with a clear credit record.


  • Proof of income (recent payslip or 3 months' payslip if you are self-employed)
  • A signed declaration in accordance with the NCA
  • A green bar-coded South African ID book/new ID card
  • South African driving licence
  • Proof of residence
  • If you are a foreigner, a valid passport, permits and international driving licence are required
  • Refugees will not be considered for vehicle finance


FNB Private Vehicle Finance

Comparison Overview:

  • Product: Private Vehicle Finance
  • Repayment Period: not specified
  • Max Finance Available: not specified
  • Min Finance Available: R30,000.00
  • Interest: 9.25%
  • Balloon Payment Yes/No: Yes
  • Minimum Requirement: vehicle max 20 years old

Product Overview

Receive trusted support with a FNB Private Vehicle Finance option and gain access to a network of FNB approved testing station nationwide. You will have the ability to buy or sell a vehicle privately, with personalised interest rates.

What the Private Vehicle Finance option allows you to do:

  • Buy or sell a vehicle privately
  • Finance a vehicle up to 20 years old
  • Finance a vehicle for at least R30 000 after deposit

Value Added Products include

  • Retrenchment policy
  • Deposit protector
  • Courtesy car policy

What can you expect?

  • Personalised interest rates
  • Registration from the buyer handled by FNB
  • Fixed or variable rate linked to the prime rate
  • Immediate feedback on your application
  • Access to countrywide approved testing stations
  • Choose between an instalment sale or a lease agreement

Make sure you are covered with the following insurance options so that you are always taken care of:

  • Comprehensive Insurance
    • Covers vehicle to protect the customer and FNB
  • Cover Plus
    • The shortfall insurance which covers the difference that is owed to FNB and the insurance payout
  • Customer Protection Plan (CPP)
    • Covers the outstanding balance in the event if death or permanent disability
  • Vehicle Warranty
    • Covers mechanical breakdown after the manufacturer's warranty expires

How do you qualify?


  • Proof of income (recent payslip or 3 months' payslip if you are self-employed)
  • A signed declaration in accordance with the NCA
  • A green bar-coded South African ID book/new ID card
  • South African driving licence
  • Proof of residence
  • If you are a foreigner, a valid passport, permits and international driving licence are required
  • Application for certification of roadworthiness
  • Application for licensing of motor vehicle
  • Application for registration and licensing of motor vehicles
  • Application in respect of licence number for motor vehicles
  • Notification of change of ownership, sale of motor vehicle
  • Application and notice in respect of business register number
  • Refugees will not be considered for vehicle finance

Or contact FNB by phoning this number 0860 FNB CAR (362227)

FNB Leisure Vehicle Finance

Comparison Overview:

  • Product: Leisure Vehicle Finance
  • Repayment Period: not specified
  • Max Finance Available: not specified
  • Min Finance Available: R30,000.00
  • Interest: 9.25%
  • Balloon Payment Yes/No: No
  • Minimum Requirement: vehicle max 20 years old

Product Overview

The FNB Leisure Vehicle Finance option is for the likes of motorbikes, boats and other dream vehicles. You can get finance to buy a leisure vehicle from a dealership with a choice of fixed or variable rates.

What the FNB Leisure Vehicle Finance option allows you to do:

  • Finance to buy a leisure vehicle from a dealership
  • Choice of Fixed or Variable rate
  • Purchase caravans up to 20 years old (subject to FNB discretion)
  • Buy motorbikes privately or from a dealership

Value Added Products include

  • Retrenchment policy
  • Deposit protector
  • Courtesy car policy

What can you expect?

  • Personalised interest rates
  • Fixed or variable rate linked to the prime rate
  • Immediate feedback on your application
  • Choose between an instalment sale or a lease agreement

Make sure you are covered with the following insurance options so that you are always taken care of:

  • Comprehensive Insurance
    • Covers vehicle to protect the customer and FNB
  • Cover Plus
    • The shortfall insurance which covers the difference that is owed to FNB and the insurance payout
  • Customer Protection Plan (CPP)
    • Covers the outstanding balance in the event if death or permanent disability
  • Vehicle Warranty
    • Covers mechanical breakdown after the manufacturer's warranty expires

How do you qualify?

You need to be permanently employed, over 18 with a driving licence and earn at least R6,000 per month with a clear credit record.


  • Proof of income (recent payslip or 3 months' payslip if you are self-employed)
  • A signed declaration in accordance with the NCA
  • A green bar-coded South African ID book/new ID card
  • South African driving licence
  • Proof of residence
  • If you are a foreigner, a valid passport, permits and international driving licence are required
  • Refugees will not be considered for vehicle finance


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Fincheck is a financial comparisons website that organises information to assist the borrower in making their best financial decision.

Fincheck gathers information from numerous banking partners and presents it to the borrower in a simple, understandable way. Lenders benefit from an additional market place and extensive customer reach. Loan amounts vary from lender to lender. Fees, interest rates, loan amounts and credit scores influence the repayment terms. Lenders require personal details to control their risk and assist the government to combat theft, money laundering, terrorism. Fincheck does not endorse any particular product or company. We are an independent company. The information shown and provided is an opinion, based on numbers and must not be seen as advice or consultation.