Personal Loan

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Byblos Bank

Personal

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Personal Loan

Now you can buy anything you need

Byblos Bank’s Personal Loan is the answer to your needs, giving you greater flexibility to finance virtually any project or purchase, from buying a car or new furniture to booking a vacation or settling any kind of payment.

  • LOAN AMOUNT

    Up to USD 30,000

  • Repayment Period

    Up to 4 years

  • Added Savings

    Competitive interest rates

Ready
to Apply?

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Call

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Give Us Your Feedback

Visit

Visit

Locate a Branch Near You

Distinctive Features

  • Special Benefits

    Special Benefits
    • Fast-track approval process
    • Financing up to 100%, except for purchase of new car (70%) or new house (50%)
    • Low file and insurance fees
    • Loan granted in IQD.
Simulator
Eligibility
Applicant Eligibility Criteria:
  • Legal capacity.
  • Age: at least 25 years old and less than 60 years by the end of the loan period.
  • Compliance Clearance and good reputation and good credit history (if any).
  • Work experience: two consecutive years of work experience in the same field, with a minimum of one year with your current employer.
  • Income: net monthly income should be at least IQD 1,500,000.
Fees, Charges, and Limits
Low Interest & fees applied:
  • Flat interest rate 8.5%
  • Life insurance
  • Stamp fee
  • File fees
  • Expert fees (applicable in cases where loan includes mortgage.)
Conditions and Guarantees
  • Life insurance.
  • Personal Guarantees or mortgage based on loan amount and loan purpose.
  • Loans can be granted against cash collateral.
  • The Bank reserves the right to request additional guarantees in certain cases.
Required Documents
Copy of Valid ID for Iraqi citizens
Copy of Passport and Residency Card for non-Iraqi citizens
Work Contract
Proof of Income

The Bank has the right to request additional documents in certain cases

Click here to download the checklist

The Bank reserves the right to accept or reject any application. Interest rates, fees, commissions, and benefits are subject to change

This Product Goes Well With

  • Mastercard Titanium

    Mastercard Titanium

    Pay without cash, anywhere you go
    Know More

    •  

    • ATM Withdrawal Limits

      Linked to USD or IQD account:

       

      Local: 3,000 Daily | 9,000 Weekly

      IQD (c/v)*: 1,500 Daily | 4,500 Weekly

      USD Byblos Bank - Iraq: 1,500 Daily | 4,500 Weekly

      USD non-Byblos Bank - Iraq: 1,500 Daily | 4,500 Weekly

       

      International: 1,500 Daily | 4,500 Weekly

       

      Nb of TRX: 5 Daily | 10 Weekly

       

      *TRX limit for IQD: 800,000

    • ECOMM Limits

      Linked to USD or IQD account:

       

      Local: 3,000 Daily | 9,000 Weekly

      International: 1,500 Daily | 4,500 Weekly

       

      Nb of TRX: 10 Daily | 20 Weekly

  • Mastercard Platinum

    Mastercard Platinum

    Smaller wallet, bigger spending power
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    • POS and ECOMM Limits

      Linked to USD or IQD account:

       

      Local: 6,000 Daily | 18,000 Weekly

      International: 3,000 Daily | 9,000 Weekly

       

      Nb of TRX: 20 Daily | 40 Weekly

    • ATM Withdrawal Limits

      Linked to USD or IQD account:

       

      Local: 6,000 Daily | 18,000 Weekly

      IQD (c/v)*: 3,000 Daily | 9,000 Weekly

      USD Byblos Bank - Iraq: 3,000 Daily | 9,000 Weekly

      USD non-Byblos Bank - Iraq: 3,000 Daily | 9,000 Weekly

       

      International: 3,000 Daily | 9,000 Weekly

       

      Nb of TRX: 10 Daily | 20 Weekly

       

      *TRX limit for IQD: 800,000

    • ECOMM Limits

      Linked to USD or IQD account:

       

      Local: 6,000 Daily | 18,000 Weekly

      International: 3,000 Daily | 9,000 Weekly

       

      Nb of TRX: 20 Daily | 40 Weekly

  • Mobile Banking App

    Mobile Banking App

    Keeps you in control of your finances from anywhere, anytime
    Know More
    • Platforms

      Android, iOS, macOS

    • Fees

      Free of charge

    • Enrolment

      Self - Enrolment

  • Visa Infinite

    Visa Infinite

    The card you need for the life you lead
    Know More
    • Travel Coverage

      Insurance Protection

    • Airport Lounge Access

      Unlimited free entrances

    • Card Currency

      IQD , USD

  • Internet

    Internet

    The safest way to shop online
    Know More
    • DAILY SPENDING LIMIT

      USD 500

    • WEEKLY SPENDING LIMIT

      USD 800

    • EASY TO REFILL

      Recharge by transfer or cash deposit

  • Visa Platinum

    Visa Platinum

    Elevate your lifestyle
    Know More
    • Exclusive benefits

      Special discounts

    • Airport Lounge Access

      Access to LoungeKey

    • Access to LoungeKey

      USD, EUR, IQD

  • Merchants Card

    Merchants Card

    The safest way to shop online & on POS
    Know More
    • DAILY SPENDING LIMIT

      up to IQD 13M (c/v USD 10,000)

    • MONTHLY SPENDING LIMIT

      IQD 30M (c/v USD 23,000)

    • EASY TO REFILL

      Recharge by transfer or cash deposit

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Byblos Bank S.A.L. Al Karrada, Salman Faeq Street,Al Wahda District,

No. 904/14 – Facing Al Shuruk Bldg., P.O. Box: 3235 Baghdad, Badalat Al Olwiya.

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