Personal Loan — CIB Egypt | Banky

Editor-in-Chief Mohamed Salah

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Editor-in-Chief Mohamed Salah

BANKY NOW 3 Nov 2026
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Personal Loan

CIB Egypt · Loans · Egyptian Pound · 4.5 · Tuesday 03 November 2026 - 09:46 AM

The CIB Personal Loan is a robust financial solution tailored to cover substantial funding needs with high flexibility and competitive interest rates.

Interest rate
23.5% – 34.5%
Loan amount
EGP 10K – 13.5M
Term up to
8 yrs
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:

  • Branch application only
  • Requires a down payment
  • Repayment term shorter than average

What's good

  • Maximum amount higher than average
  • Fewer documents than average
  • The bank publishes its processing fee
  • Open to Egyptians and non-Egyptians

Not known yet

2 more details 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
23.5%
Min amount
EGP 10,000
Max amount
EGP 13,500,000
Min term
1 yr
Max term
8 yrs
Max DTI
50%
Processing fee (%)
2%
Processing fee (fixed)
EGP 200

Eligibility & requirements

Min monthly income
EGP 10,000
Min age
21
Max age
60
Approved employer
No
Requires collateral
No
Life insurance
Yes
Accepted employment types
EmployedSelf-Employed
Security types
Salary Transfer
Eligibility criteria
Nationalityboth
Requires iScoreNo
Notesمتاح للمصريين وغير المصريين من سن 21. القسط حتى 50% من الدخل. مدة القرض بضمان من 12 إلى 120 شهر وتمويل حتى 95% من قيمة الشهادات/الودائع. رسوم إدارية 2% تخصم مقدماً بالإضافة إلى 200 جنيه مصروفات إجراء ورسوم خدمة شهرية.

Do the maths

Personal Loan

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

Enter values to see the result.

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

Our take 4.5

4.5 Banky rating

Pros

  • High maximum financing limit of up to 13,500,000 EGP.
  • Long and flexible repayment tenure of up to 96 months for standard loans and up to 120 months for secured loans.

Cons

  • Requires a high minimum monthly income of 10,000 EGP, which may restrict lower-income applicants.
  • Incurs a 2% upfront administrative fee, plus a 200 EGP processing fee, monthly service fees, and a 2% early settlement commission.

Our take

The Commercial International Bank (CIB) offers a flexible Personal Loan of up to 13,500,000 EGP with a competitive interest rate starting at 23.5%. The loan provides a long repayment period of up to 96 months (and up to 120 months for secured loans), featuring streamlined procedures tailored for salaried individuals, self-employed, and business owners.

The CIB Personal Loan is a robust financial solution tailored to cover substantial funding needs with high flexibility and competitive interest rates.

Compare

Alternatives at a glance
Personal Loan CIB Egypt This one Doctors' Loan NBE National Bank of Egypt Loan against Property FABMISR Employees Loan Agricultural Bank of Egypt
Interest rate
23.5% – 34.5% 23% 23% 24%
Loan amount
EGP 10K – 13.5M EGP 10K – 2M EGP 10K – 2M EGP 10K – 6M
Term up to
8 yrs 7 yrs 7 yrs 10 yrs
Type
Personal Loan Personal Loan Personal Loan Personal Loan
Compare with 3 similar loans

Added Thursday 02 July 2026 - 11:26 AM Updated Tuesday 03 November 2026 - 09:48 AM