Apply online to see if you qualify for an FNB personal loan.1

Unlike payday loans and credit card cash advances, an unsecured installment loan from FNB has a predictable monthly payment with a tailored fixed rate and repayment schedule. Perfect for a variety of needs, such as debt consolidation or a vacation.

Installment Loans

Installment loans are personal loans that allow you to borrow a specific amount of money and pay it back in fixed monthly installments over the life of the loan. This type of financing is available from banks, credit unions and online lenders. Personal installment loans can be used for a variety of purposes including home improvement projects, weddings, debt consolidation and more.

These types of loans are a great alternative to payday loans and can help improve your credit score. They also tend to have lower interest rates than revolving credit options such as credit cards. However, it is important to shop around for the best possible terms and rates before making a final borrowing decision.

Getting an installment loan requires you to meet certain criteria such as having good credit, being able to prove your income and possessing valuable assets. You may also be required to provide a cosigner or place collateral with the lender to secure the loan. Regardless of the requirements, it is worth exploring this option if you are in need of a large amount of financing.

FNB offers a competitively priced personal installment loan with flexible repayment terms up to 72 months and a fixed rate. You can find out if you qualify for this loan by starting the pre-qualification process below.

Revolving Line of Credit

A revolving line of credit, like a home equity line of credit (HELOC), is a flexible source of funds that provides you with a credit limit and an ongoing ability to borrow as needed. You pay interest only on what you use, and as you repay your debt your credit limit replenishes. It’s a convenient way to manage unanticipated expenses and emergencies, and can be used for many of the same purposes as a business credit card.

While business revolving lines of credit and traditional term loans have some similarities, there are several differences. Most importantly, revolving lines of credit offer greater flexibility than traditional term loans. In contrast, a typical term loan requires repayment at specified intervals, and the lump sum amount is typically fixed.

As a business owner, you may need to finance outsized expenses to grow your company. Fortunately, FNB offers a sunshine loan variety of lending solutions to help you meet your goals. Our loan officers will work with you to develop a financing plan that works for your budget.

Check Sure

FNB’s Check Sure is a service that can help you avoid losing your personal loan application for a number of reasons. These include low credit scores or thin credit profiles, insufficient income, unstable employment, and a mismatch between the purpose for which you want to borrow and the lender’s requirements. Whether you’re a current customer or just starting out, this service can help you find the best possible loan for your needs.

In the same way as unsecured loans, the bank conducts affordability checks to state whether you can afford the amount you ask for. Taking your salary, expenses and other existing loan payments into account, it can calculate a quote that is right for you. This also makes it easier for you to compare the cost of your loans and decide which one is best for you.

The company can help you with debt consolidation, too. The process of consolidating multiple debts is simple and easy to understand, and it can save you money by lowering your interest rate and reducing your monthly fees. To apply, simply submit an application, provide documents that prove your identity and income, and submit a payment plan that you can afford. Typically, the company will allow you to pay a minimum of $500 per month. This way, you can get back on track and start making regular payments to your creditors.

Visa Credit Card

A Visa Credit Card from FNB provides more than just a line of credit; it offers rewards, protection and convenience. You can use your card anywhere VISA is accepted worldwide. Our cards also offer the security of chip-enabled technology for enhanced protection against fraud.

You can make a one-time payment or set up automatic payments using online/mobile bill pay – a FREE banking service. You can even receive “push” notifications to stay up to date on your balance and transactions.

Build or rebuild your credit with the SmartSecured Credit Card1. A refundable security deposit equal to your credit limit serves as your line of credit, and you’ll pay only a fixed monthly interest rate.

Earn rewards for every purchase you make with our Consumer Rewards card1. Redeem points for merchandise, gift cards, gas discounts at the pump and more! Plus, enjoy a low interest rate, 24-hour live customer service and rental car collision waiver protection1.

Manage your budget with our Money Management tool, available with FNB’s online and mobile banking. This tool helps you set goals, create a budget, track spending, determine your net worth and more! It’s a free resource for all FNB customers.