Loans | Banky

The education loan

bdc 4.0

Interest rate 29%

Loan amount EGP 15K – 300K

Term up to 1 yr

Type Personal Loan

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Updated Thursday 22 October 2026 - 09:29 PM

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Our take 4.0

4.0 Banky rating

Pros

Financing of up to EGP 300,000 for universities, academies, and institutes.

Cons

a maximum repayment period of 12 months

Our take

The education loan provides financing of up to EGP 150,000 for school expenses and EGP 300,000 for universities, academies, and institutes, helping families manage education costs through installments. The minimum loan amount is EGP 15,000, and applicants must have a minimum income of EGP 5,000. Repayment terms extend up to 12 months. However, the annual reducing-balance interest rate is 29%, and the relatively short repayment period may result in higher monthly installments. The loan also includes life insurance.

The education loan offers up to EGP 150,000 for schools and EGP 300,000 for universities and institutes, with repayment terms of up to 12 months and a 29% annual reducing-balance interest rate.

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Loan for doctors and hospital staff.

bdc 4.0

Interest rate 25%

Loan amount EGP 50K – 1M

Term up to 6 yrs

Type Personal Loan

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Updated Thursday 22 October 2026 - 09:22 PM

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Our take 4.0

4.0 Banky rating

Pros

Financing of up to EGP 1 million .
repayment terms of up to six years

Cons

a minimum service requirement of three years

Our take

The loan for doctors working in hospitals offers financing of up to EGP 1 million, with repayment terms ranging from six months to six years. The program targets practicing doctors and staff working in clinics affiliated with public and private hospitals and medical centers in Cairo, Giza, and Alexandria, excluding charitable clinics and medical centers. Applicants must have at least three years of service. However, the annual reducing-balance interest rate is 25%, and the loan includes life insurance, making it important to assess the overall financing cost and repayment affordability before applying.

A loan for doctors and staff working in hospitals and medical centers, offering up to EGP 1 million, repayment terms of up to six years, and a 25% annual reducing-balance interest rate.

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Loan against Property

FABMISR 3.5

Interest rate 23%

Loan amount EGP 10K – 2M

Term up to 7 yrs

Type Personal Loan

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Updated Wednesday 21 October 2026 - 04:09 PM

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Our take 3.5

3.5 Banky rating

Pros

The bank offers financing of up to EGP 2,000,000 secured by the property.
Flexible repayment period: Repayment term of up to 84 months (7 years).
Competitive rates of return: The bank offers competitive interest rates and returns compared to some other personal finance programs.
The bank provides an online calculator to estimate the monthly installment based on the financing amount and repayment period, enabling proactive financial planning.

Cons

The bank requires the applicant to be at least 30 years old.
The loan requires pledging the property as collateral to the bank, which entails legal obligations as well as procedures for property valuation and mortgaging.
Administrative fees of up to 2% of the loan amount apply.
The program is available exclusively to Egyptian citizens.

Our take

Property-backed financing from First Abu Dhabi Bank (FAB) Egypt is an excellent option for property owners aged 30 and older who require significant liquidity—up to EGP 2 million—for investments or major expenses, with a repayment plan extending up to seven years. If you meet the age requirement (30+), own a qualifying property, and prefer securing a high loan amount at a competitive interest rate by mortgaging that property, this loan is suitable for you. However, if you are looking for a faster process that does not require a mortgage or property valuation, personal loans secured by your salary or savings might be a more convenient choice.

Real estate-backed financing from First Abu Dhabi Bank Egypt is a good option for individuals who own real estate.

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Customized loans for doctors

FABMISR 4.0

Interest rate 20.5%

Loan amount EGP 10K – 2M

Term up to 6 yrs

Type Personal Loan

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Updated Tuesday 22 September 2026 - 10:42 AM

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Our take 4.0

4.0 Banky rating

Pros

The financing amount reaches EGP 2,000,000—a sum suitable for equipping clinics, purchasing medical supplies, or covering personal needs.
Flexible repayment period: A repayment period of up to 72 months (6 years), allowing the financing amount to be spread across manageable installments.
This includes dentists, general practitioners and medical specialists, physiotherapists, as well as owners of analysis laboratories (whether working iThis includes dentists, general practitioners and medical specialists, physiotherapists, as well as owners of analysis laboratories (whether working in the public sector/Ministry of Health or the private sector).n the public sector/Ministry of Health or the private sector).
Ability to submit the application online or easily calculate the installment.

Cons

The initiative stipulates that the physician must be at least 25 years old.
Financing is available only to Egyptian citizens and does not include resident foreign doctors.
It requires the physician to work under the umbrella of private or government hospitals affiliated with the Ministry of Health, or to own a licensed laboratory or clinic.

Our take

The Doctors' Loan program from First Abu Dhabi Bank Misr (FABMISR) is a distinguished financing solution tailored for physicians—whether they work in public or private hospitals, or own clinics, medical centers, or laboratories. It is an ideal choice if you require quick financing—without complex documentation—to expand your practice or cover urgent expenses, and if you can commit to a fixed monthly installment that aligns with your cash flow.

The First Abu Dhabi Bank (FAB) Egypt doctors' loan program is considered a distinguished financing program.

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Doctors' Loan NBE

NBE 4.0

Interest rate 23%

Loan amount EGP 10K – 2M

Term up to 7 yrs

Type Personal Loan

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Updated Saturday 24 October 2026 - 12:01 PM

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Our take 4.0

4.0 Banky rating

Pros

Financing for the purchase of medical devices and equipment for doctors reaches up to EGP 2 million (in the absence of financial statements) and up to EGP 5 million (upon submission of certified financial statements), covering up to 85% of the equipment's value.
The repayment period for personal loans for doctors extends up to 7 years, while for medical equipment financing programs, it extends up to 5 years.
The program is distinguished by not requiring a guarantor.
The bank provides a free life and total disability insurance policy throughout the entire financing repayment period.
The bank offers the loan with terms and facilities specifically tailored to self-employed individuals and professionals, compared to standard programs.

Cons

There are recurring administrative fees and early repayment charges applicable if the loan is settled prior to its maturity, in addition to a requirement for thorough field and banking inquiries regarding the business premises and operations.
Obtaining financing requires a valid medical facility license, a professional practice license, a professional syndicate membership card, and a valid operating license—requirements that can hinder new doctors during the startup phase.

Our take

The National Bank of Egypt offers a dedicated financing program for physicians—whether they own clinics and medical facilities or work within the medical sector—as well as a program for financing medical equipment and lenses to support healthcare professionals. If you are a physician who owns an existing clinic or medical center and wish to upgrade your equipment and instruments or expand your facility, these specialized medical equipment financing programs are an excellent choice; they provide immediate liquidity and offer flexible, long-term repayment options.

The National Bank of Egypt’s loan for doctors is a financing program designed specifically for physicians, offering exclusive benefits and accessible terms.

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Doctors' loan

abc 4.0

Interest rate 21.5%

Loan amount Up to EGP 1.5M

Term up to 7 yrs

Type Personal Loan

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Updated Saturday 24 October 2026 - 05:43 PM

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Our take 4.0

4.0 Banky rating

Pros

A suitable financing amount—with loan sums reaching up to 1,500,000 EGP—to meet the various professional or personal needs of physicians.
Financing term of up to 7 years
Obtain a complimentary insurance policy for the entire duration of the financing.
The bank sometimes offers pre-approved loans to physicians and self-employed professionals, ensuring the simplest possible procedures.

Cons

This requires the submission of specific documents, such as a national ID card, a utility bill, and a professional syndicate membership card for employees; for private clinic owners, it also requires a professional practice certificate, a syndicate membership card, and a license to operate a medical facility.

Our take

The Doctors’ Loan from Bank ABC Egypt is an excellent financing option, specifically designed to meet the needs of medical professionals and clinic owners, offering favorable terms and a clear, straightforward application process. If you are a physician seeking financing for personal use or to equip your clinic—with a maximum loan amount of EGP 1.5 million and a repayment period of up to 7 years—this program provides a good level of flexibility, along with complimentary insurance. It is always advisable to carefully evaluate the effective yield and total cost of the loan, comparing it against other offers available in the banking sector before making a final decision.

doctors' loan from Bank ABC Egypt is an excellent financing option, specifically designed to meet the needs of medical professionals and clinic owners.

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Pensioners Cash Loan

NBE 4.0

Interest rate 20.5%

Loan amount EGP 10K – 1M

Term up to 10 yrs

Type Personal Loan

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Updated Saturday 24 October 2026 - 12:00 PM

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Our take 4.0

4.0 Banky rating

Pros

High financing amount of up to EGP 1,000,000.
Flexible repayment period with a loan term of up to 10 years.
Conveniences and waivers: No guarantor required, no credit inquiry fees, and free current account opening.
Free life and total disability insurance for the entire financing period.

Cons

The borrower's age must not exceed 65 years at the end of the financing term, which may limit the loan duration for some.
It requires a formal undertaking to transfer the full pension to the bank for the duration of the loan repayment period.
The standard administrative fees for personal loans are applied, in addition to an early repayment fee (ranging from 5% to 7% for cash repayment).

Our take

This loan is considered one of the best options for pensioners requiring significant liquidity or a long repayment period to lower monthly installments—particularly given the complimentary insurance coverage and the absence of a requirement for a guarantor. However, it is advisable to carefully assess the deduction rate against the monthly pension to avoid compromising one's basic income, and to ensure that the age limit (65 years at the end of the term) aligns with the chosen repayment plan.

The loan is considered one of the best options available to pensioners who require significant liquidity or a long repayment period.

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Business owners and self-employed

NBE 3.4

Interest rate 22% – 22.25%

Loan amount Up to EGP 1.5M

Term up to 7 yrs

Type Personal Loan

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Updated Saturday 24 October 2026 - 11:59 AM

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Our take 3.4

3.4 Banky rating

Pros

Free life and total disability insurance
High financing amount: The loan amount reaches EGP 1,500,000.
No guarantor: The loan does not require a personal guarantor.

Cons

Employment history requirements: The Bank requires a minimum of at least one year of employment for existing customers, or two full years for non-customers.
Age restrictions: The borrower must not be over 65 years of age at the end of the financing term.

Our take

The loan for self-employed individuals and business owners offered by the National Bank of Egypt (NBE) is an excellent option for those running established, officially registered businesses who require liquidity for expansion or personal investments, as it provides a substantial loan amount (up to 1.5 million EGP) with a long repayment period (up to 7 years). However, it is not suitable for new or informal business ventures, given the strict requirements for documentation—such as a commercial register, a tax card, and a full year’s worth of bank statements. It is advisable to ensure that all paperwork and the tax card are complete and up to date before visiting a branch, in order to facilitate a faster approval process.

The loan for professionals and self-employed individuals from the National Bank of Egypt represents an excellent option for business owners and entrepreneurs.

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Personal Loan with Partial Guarantee

SCBank

Interest rate 0%

Loan amount —

Term up to 10 yrs

Type Personal Loan

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Updated Sunday 09 August 2026 - 09:45 AM

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Our take

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Personal Financing for Salary

abc 4.0

Interest rate 21.5%

Loan amount Up to EGP 5M

Term up to 12 yrs

Type Personal Loan

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Updated Saturday 24 October 2026 - 06:02 PM

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Our take 4.0

4.0 Banky rating

Pros

The loan amount can reach up to 5,000,000 EGP if the salary is transferred, and 2,000,000 EGP if the salary is not transferred.
Financing term of up to 12 years, or 7 years if the salary is not transferred.
Flexible installment payment options (monthly, quarterly, semi-annually, or annually)
Complimentary insurance policy for the entire financing period
Consolidate your financial obligations through our debt buyout program, which covers debts held at other banks and offers competitive terms and features.

Cons

The program requires signing an undertaking to have one’s salary or monthly installment transferred directly to the bank—a standard practice for large loans, though it may be seen as a constraint by those who prefer not to link their salary disbursement to a specific bank.
You are required to provide a set of documents, including the application form, a national ID card, a recent utility bill, proof of income, and a salary/income transfer undertaking.

Our take

The personal loan for employees—available to those in the government, public, and private sectors, as well as the petroleum industry—offered by Bank ABC Egypt, stands out as one of the best financing programs on the market. It combines a substantial financing limit of up to EGP 5 million with a long repayment period of up to 12 years. If you require significant liquidity to cover major obligations or pursue ambitious goals, and are able to have your salary transferred to the bank, this loan offers excellent financial flexibility along with complimentary insurance. However, it is advisable to compare the effective interest rate and the total cost of the loan against offers from competing banks to ensure you secure the best possible terms before finalizing the agreement.

The personal loan for employees (including those in the government, public, and private sectors, as well as the petroleum sector) from Bank ABC Egypt is one of the best financing programs on the market.

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Employees Loan

aaib 3.5

Interest rate 28.5%

Loan amount EGP 15K – 5M

Term up to 12 yrs

Type Personal Loan

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Updated Saturday 24 October 2026 - 02:46 PM

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Our take 3.5

3.5 Banky rating

Pros

The bank offers financing amounts of up to 5 million EGP—one of the highest personal loan limits available in the Egyptian market—provided that the salary is transferred to the bank.
Option to pay in installments over a period of up to 12 years
Payment method and additional benefits: automatic installment deduction, option for annual payments, SMS notification service for monthly installments, and the possibility of increasing the loan amount.

Cons

Major benefits—such as the maximum loan amount (5 million) and the longest repayment period (12 years)—are not guaranteed to all applicants; rather, they are entirely dependent on the classification and category of the employer.
Choosing very long repayment periods (such as 12 years) means that a high total amount of interest will accumulate on the loan principal.
If the salary is not transferred, the maximum loan amount is 2 million EGP.

Our take

The employee loan offered by the Arab African International Bank (AAIB) stands out as one of the most robust personal loans in the banking sector, characterized by exceptional flexibility, a high financing limit—reaching up to EGP 5 million—and an extended repayment period of up to 12 years.

Get a loan at a competitive interest rate, secured against your salary, with flexible repayment options tailored to your needs.

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Secured Personal Loan (Against Savings Vessel)

NXT

Interest rate 2.7% – 0%

Loan amount —

Term up to 10 yrs

Type Personal Loan

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Updated Thursday 27 August 2026 - 09:01 AM

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Our take