Features Loan facilities are specifically tailored to fulfill your needs

Personal Loan Showcase Source

Loan amounts that suit your income

Receive a payroll personal loan starting from EGP 5,000 up to EGP 3,000,000 depending on your cash flow up to 8 years

Borrow against your income, profession or balance

Borrow up to 5 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

Competitive interest rates

Figure out the best loan for you using our loan calculator. Enjoy our flexible interest rates, to suit your needs ranging from 16% to 23.5%

Top-up an existing CIB loan

Now you can increase the value of an existing loan and earn 250 BONUS points for every EGP 1,000 you add to your loan amount

Buyout a loan, consolidate your debts

CIB customers also have the buyout option, where you can consolidate your debt held in other banks with CIB

Benefits Get the best repayment experience

Your life in safe hands

Maintain peace of mind with life insurance during your loan repayment period no matter how long it is

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 calculating

Repayment examples of typical sums borrowed

  • Borrow EGP 30,000 & repay over 8 years

    EGP 619.27 per month

  • Borrow EGP 40,000 & repay over 8 years

    EGP 825.70 per month

  • Borrow EGP 60,000 & repay over 15 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)
Service Fees EGP 50 (Monthly)
Administration Fees on the total loan amount up to 8 years
Segment/ProductPrime Plus Wealth Private 
 Secured 2.00% 1.75% 1.50% 1.25%
 Unsecured 2.00% 2.00% 1.75% 1.50%

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% on late payments
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 ofdeath

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:

  1. Complete the application form online or visit one of our conveniently located branches around Egypt
  2. Provide the documents required for your loan
  3. If approved, a CIB representative will contact you accordingly.

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