Employees Loan
Get a loan at a competitive interest rate, secured against your salary, with flexible repayment options tailored to your needs.
- Interest rate
- 28.5%
- Loan amount
- EGP 15K – 5M
- Term up to
- 12 yrs
- Type
- Personal Loan
Banky Analysis
Loans cannot be reduced to one number. Below is what each bank publishes, and what it does not
What you trade off:
- More documents than average
- Requires a down payment
- Requires collateral
- Early settlement penalty higher than average
What's good
- Maximum amount higher than average
- Apply online
- The bank publishes its processing fee
- Repayment term longer than average
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
- 28.5%
- Min amount
- EGP 15,000
- Max amount
- EGP 5,000,000
- Min term
- 1 yr
- Max term
- 12 yrs
- Max DTI
- 50%
- Max financing
- 100%
- Processing fee (%)
- 2.5%
- Processing fee (fixed)
- EGP 300
- Early repayment penalty
- 10%
Eligibility & requirements
- Min monthly income
- EGP 6,000
- Min age
- 21
- Max age
- 60
- Approved employer
- No
- Requires collateral
- Yes
- Life insurance
- No
- Accepted employment types
- EmployedGovernmentMilitary
- Accepted professions
- Government EmployeePrivate Sector Employee
- Security types
- Salary TransferWithout Salary Transfer
- Required documents
- National ID CopyRecent Utility BillHR / Employer LetterBank Statement (Last 3 Months)
| Nationality | egyptian |
| Requires iScore | No |
| Notes | الحد الأدنى للسن 21؛ تحويل راتب؛ مبلغ القرض وفترة السداد وفقًا لتصنيف/فئة جهة العمل؛ لغير محولي الراتب يلزم خطاب جهة عمل وكشف حساب. |
Programs
| Program | Rate | Max amount | Segment | Financing | Zero down |
|---|---|---|---|---|---|
| قرض الموظفين بدون تحويل راتب | 30.5% | EGP 2,000,000 | Market | 100% | No |
Do the maths
Our take
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.
Compare
| Employees Loan Arab African International Bank This one | The education loan banque du caire | Pensioners Loan Arab African International Bank | Employees Loan Agricultural Bank of Egypt |
|---|---|---|---|
| Interest rate | |||
| 28.5% | 29% | 28% | 24% |
| Loan amount | |||
| EGP 15K – 5M | EGP 15K – 300K | EGP 15K – 100K | EGP 10K – 6M |
| Term up to | |||
| 12 yrs | 1 yr | 5 yrs | 10 yrs |
| Type | |||
| Personal Loan | Personal Loan | Personal Loan | Personal Loan |
Added Thursday 02 July 2026 - 11:29 AM Updated Saturday 24 October 2026 - 02:46 PM