Applying for loans just got easier – Apply for multiple loans at once with our fast and easy eStore® Common App.
Save with lower rates on purchases1
Save with lower rates on balance transfers1
No annual fee2
Enjoy global acceptance with Visa
With the FNB SmartRate Card, you can get more savings with our lowest interest rate. You can use your card anywhere Visa is accepted to conduct everyday purchases. For added convenience, consolidate your monthly bills on one statement for one monthly payment.
FNB uses credit score, employment history, monthly debt payments and income, among other factors, when considering whether or not to approve your application.
Our objective is to make the borrowing process simple and straightforward. To apply for an FNB SmartRate Card, you will want to have the following information available for your branch visit:
While you won't need this for your initial visit to start the application process, as we evaluate your application, we may ask you for additional pieces of information. You may be asked:
Compare all accounts. This comparison chart makes it easy to compare all of our borrowing options.
Browse allCompare all accounts. This comparison chart makes it easy to compare all of our borrowing options.
Compare allStill not sure? Answer a few quick questions to help you find the right borrowing option.
Help me decideStill not sure? Answer a few quick questions to help you find the right borrowing option.
Help me decideFNB offers a full breadth of products and services for your needs.
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1 - All loan products are subject to credit approval
2 - View the FNB SmartRate Credit Card Pricing Information for more information