FNB Personal Loans payday loans Contact Number July 31, 2025 – Posted in: Uncategorized

FNB has a variety of Personal Loan options to meet your needs. These loans are designed with fixed rates and monthly payments that are tailored to your budget.

You must be an FNB Deposit Account Customer to utilize this service. Please refer to the Electronic Disclosures & Agreement provided upon enrollment in Online Banking.

What is a Personal Loan?

If you need money for an emergency, home project or debt consolidation, a personal loan may be a good option. These loans are unsecured and can be used for any purpose. They typically have a longer term than credit cards, which means you’ll pay less in interest over time.

Before you apply, gather materials like copies of paycheck stubs and bank statements to submit with your application. Some lenders may conduct a hard credit inquiry, which could impact your score temporarily. Others use a soft credit check to prequalify applicants, which doesn’t affect your score.

You’ll usually receive the funds from your lender within 1 – 7 business days. You’ll pay the loan back with a fixed monthly payment until the loan is paid off. Depending on the lender, you may have the option to receive your money through direct deposit.

Taking out any type of loan will have an effect on your credit, which can be a positive or negative factor depending on how and why you use the funds. Whether you’re applying for a personal loan or a line of credit, lenders will review your credit report to ensure you’re a good risk. Using the funds responsibly and repaying on time can help boost your score. But if you’re in financial trouble, missing payments or going over your limit can damage your score.

Personal Installment Loans

Installment loans are closed-end credit agreements where the borrower receives all of the loan funds up front and is required to pay back a fixed monthly amount over a set period. Personal installment loans can be used for a variety of reasons, such as making a big purchase, consolidating debt or covering unexpected expenses. A personal installment loan typically offers a more favorable interest rate than revolving credit such as credit cards.

The first step in the personal installment loan process is for the borrower to visit with a lending specialist who will review the borrower’s financial status and credit payday loans history to determine whether a personal loan is an appropriate solution. This is often followed by a credit application, the collection of collateral (if applicable) and the receipt of additional information such as income verification and employment.

FNB has several personal installment loan options that can be tailored to meet a borrower’s specific needs, including mortgages and auto loans. If you are interested in getting an installment loan, talk to one of our bankers today.

Unsecured Installment Loans

Unlike secured loans that require collateral to mitigate the lender’s risk, personal installment loans are typically unsecured and offer fixed payments over a set period. This helps borrowers budget and manage their debt. This type of loan may be used for a variety of purposes such as making large purchases, covering unexpected expenses or consolidating higher interest rate credit card debt. Personal installment loans are available from banks, credit unions and online lenders. Borrowers should carefully consider their options before applying to make sure they choose the right loan for their needs.

Most unsecured personal loans require a good or excellent credit score. Lenders evaluate applicants based on their credit history, current debt load and income to determine eligibility. However, it’s possible to get an unsecured personal loan with bad credit by enlisting a cosigner or offering some form of collateral. This can help boost your application and improve your chances of getting approved for a personal installment loan with a better rate and higher loan amount.

Whether you’re looking to buy a new or used car, renovate your home or pay off higher interest rate credit cards, an unsecured personal loan from FNB can be an affordable and convenient option for financing your next big purchase. To find out if you qualify, apply now or visit your local branch.

FNB has a personal loan solution that fits your needs. Whether you’re looking to make home improvements, pay for a special event or consolidate high-interest debt, we can help!

Unlike payday loans and credit card cash advances, this short-term installment loan gives you the liquidity you need with affordable interest rates and simple repayment terms. This loan is only available to FNB checking account holders ages 18 and older with an eligible deposit account.1 To apply, log into your online banking and select the FNB CashPlease Small Dollar Loan option.

A personal line of credit is a convenient way to manage unanticipated expenses or emergencies. With a line of credit, you’ll receive a set spending limit and pay interest only on what you use.1

Our friendly team of bankers is ready to help you meet your financial goals and plan for the future. Contact us today to get started!

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You’ll find the information you need with FNB’s comprehensive online resources. You can also visit one of our branches to talk with a live representative.

The information on this website is for general education only and is not intended to replace the advice of a qualified professional. If you have any questions, please contact your local FNB branch.

Your credit score is a key factor in determining your eligibility for certain products and services, including loans and lines of credit. FNB’s lending policies and practices are subject to change at any time.