Your life in safe hands
Maintain peace of mind with life insurance during your loan repayment period no matter how long it is
Features Loan facilities specifically tailored to fulfill your needs
Loan amounts that suit your income
Receive a payroll personal loan starting from EGP 5,000 up to EGP 6,000,000 depending on your cash flow up to 8 yearsBorrow against your income, profession or balance
Borrow up to 8 million in an unsecured loan to pay your personal expenses, with a monthly installment of up to 50% of your monthly salary up to 8 years
Interest rates
Figure out the best loan for you using our loan calculator. Enjoy our flexible interest rates, to suit your needs ranging from 27% to 36%
More features
Buyout a loan, consolidate your debts
CIB customers also have the buyout option, where you can consolidate your debt held in other banks with CIBSecured Personal Loans
Enjoy a unique borrowing option that allows you to access up to 95% of your Certificates of Deposit and Time Deposits. The minimum loan amount is EGP 10,000, with a loan duration starting at 12 and up to 120 months, with flexible repayment options (monthly, quarterly, semiannual, annual, etc.). CIB-secured loans are offered to Egyptians and non-Egyptians starting at 21 years old.Benefits Get the best repayment experience
Repayments are never easier; anytime, anywhere.
Enjoy a flexible loan repayment period from 12 months to 96 months, and pay through more than 180 branches and more than 1,000 cash deposit machines
Loan calculator Calculate an example of your loan repayment
Calculate your repayments
Enter your preferred amount and estimate your monthly payments
Start calculatingRepayment examples of typical sums borrowed
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Borrow EGP 50,000 & repay over 8 years
EGP 619.27 per month
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Borrow EGP 500,000 & repay over 8 years
EGP 825.70 per month
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Borrow EGP 1 Milion & repay over 8 years
EGP 1,211.93 per month
Offers Discover the newest offers with CIB
We add new offers all the time, so remember to check back for the latest deals
Fees and charges The fees and charges associated with your loan
| Description | Fees & charges | |||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assessment Fees | EGP 200 (One-time payment) | |||||||||||||||
| Loan Service Fees (Monthly) |
Prime: 75 EGP |
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| Administration Fees on the total loan amount up to 8 years |
|
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| Administration Fees above 8 until 12 years' loan tenor | 2.5% from total loan amount | |||||||||||||||
| Administration Fees above 12 years' loan tenor | 3% from total loan amount | |||||||||||||||
| End use loans (Car Finance, Educational Loan, Solar Loan, Club Membership Loan, & Travel Loan) | 1% up to 8 years' loan tenor | |||||||||||||||
| Unsecured personal loans via apply online | 1% up to 8 years' loan tenor | |||||||||||||||
| Early Settlement Fees (Buyout) | 10% of total paid amount | |||||||||||||||
| Early Settlement Fees | 7% of total paid amount | |||||||||||||||
| Clearance Letter | EGP 50 | |||||||||||||||
| Liability letter issuance fees | EGP 50 | |||||||||||||||
| Facility Rescheduling fees | 2% on the outstanding balance | |||||||||||||||
| Late Payment Fees |
5% is added to applied interest rate and is applied to the overdue amount |
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| Government stamp duty (paid quarterly) | 0.05% on highest closing debit balance in the quarter | |||||||||||||||
| Life Insurance | Obligatory for unsecured loans |
Requirements What you need to get your Personal Loan
Request a Personal Loan now and we will be in touch within 48 hours
Eligibility Criteria:
- Minimum age: 21, maximum age: 60 at loan maturity
- Minimum net salary: EGP 2,600
Insurance: Life insurance covers outstanding balance in case of death
Required documents: Application form, valid national ID, recent HR letter or three pay slips* or bank statements
*Applicants who have had a payroll relationship with CIB for more than three months do not have to provide an HR letter or pay slips.
Eligibility Criteria:
- Minimum age: 21, maximum age: 60 at loan maturity for salaried , 65 for self- employed individuals.
- Minimum net salary: EGP 2,600 - for salaried customers, EGP 10,000 - for self-employed customers
Insurance: Life insurance covers outstanding balance in case of death
Required documents:
- Application form, valid national ID, bank statement, and a recent utility bill
- Salaried individuals: Recent HR letter or three pay slips
- Self-employed individuals: Valid commercial register and bank statement
To apply for one of CIB’s unique loans, simply follow these steps:
- Complete the application form online or visit one of our conveniently located branches around Egypt
- Provide the documents required for your loan
- If approved, a CIB representative will contact you accordingly.
Tutorials
Browse our tutorials and get the most out of our CIB Personal Loan:
Learning center Useful banking tips
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