The education loan — banque du caire | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 2 Nov 2026
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The education loan

banque du caire · Loans · Egyptian Pound · 4.0 · Thursday 22 October 2026 - 09:29 PM

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.

Interest rate
29%
Loan amount
EGP 15K – 300K
Term up to
1 yr
Type
Personal Loan

Banky Analysis

An audit of the product itself

Loans cannot be reduced to one number. Below is what each bank publishes, and what it does not

What you trade off:

  • Maximum amount lower than average
  • Branch application only
  • Requires a down payment
  • Requires collateral
  • Repayment term shorter than average

What's good

  • Fewer documents than average
  • The bank publishes its processing fee

Not known yet

1 more detail we don't have yet

All of this is measured against personal loans in EGP only

Last checked Monday 26 October 2026 - 02:17 AM

Rates, terms & fees

Loan type
Personal Loan
Interest type
Reducing Balance
Interest rate
29%
Min amount
EGP 15,000
Max amount
EGP 300,000
Min term
Flexible
Max term
1 yr
Max DTI
50%
Processing fee (%)
2.5%
Early repayment penalty
10%

Eligibility & requirements

Min age
21
Max age
65
Approved employer
No
Requires collateral
Yes
Life insurance
Yes
Accepted employment types
EmployedGovernmentMilitarySelf-EmployedPensionerFreelancer
Accepted professions
any profession
Security types
Salary TransferWithout Salary Transfer
Required documents
National ID CopyRecent Utility Bill
Eligibility criteria
Nationalityegyptian

Do the maths

The education loan

Work out the monthly installment, total interest, effective APR and schedule.

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Results are estimates for guidance only and may differ from a bank's actual offer.

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.

Compare

Alternatives at a glance
The education loan banque du caire This one Employees Loan Arab African International Bank Doctors (Clinic Owners) Personal Loan banque du caire Employees Loan Agricultural Bank of Egypt
Interest rate
29% 28.5% 26% 24%
Loan amount
EGP 15K – 300K EGP 15K – 5M EGP 15K – 1.5M EGP 10K – 6M
Term up to
1 yr 12 yrs 6 yrs 10 yrs
Type
Personal Loan Personal Loan Personal Loan Personal Loan
Compare with 3 similar loans

Added Thursday 22 October 2026 - 09:27 PM Updated Thursday 22 October 2026 - 09:29 PM