Personal Loan

Personal | Loans | Personal | Personal Loan | Iraq | Byblos Bank

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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.


    Up to USD 30,000

  • Repayment Period

    Up to 4 years

  • Added Savings

    Competitive interest rates

to Apply?



+964 751 1 20 50 50

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Distinctive Features

  • Special Benefits

    Special Benefits

  • Fast-track approval process
    Financing up to 100%, except for purchase of new car (70%)
    Low file fees
    Loan available in either IQD or USD, depending on the currency of your salary or income
Iraqi citizens and legal residents. Non-Iraqi citizens must have had residency for two years, and loan period must not exceed period of work contract
You must be less than 60 years of age at the end of the loan period
You should have at least two years of work experience in the same field, with a minimum of one year with your current employer
Your net monthly income should be at least USD 600 (or equivalent in IQD) for single applicants or USD 900 for married applicants
Monthly payment should not exceed 25% of your salary if you are an employee or 20% of your income if you’re self-employed
Conditions and Guarantees
Life insurance contracted through ADIR, a member of the Byblos Bank Group, covering the entire loan amount
Guarantees set by the Bank depending on loan amount and loan purpose. Loans can be granted against cash collateral, with a spread of just 4% between the rate you pay on your loan and the rate you earn on your deposit
Expert fees (applicable in cases where loan includes mortgage)

The Bank has 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

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