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Personal Finance

Specifically designed to cater to your needs.

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Highest Finance Amounts. Lowest Profit Rates

Investing in a new project and need cash? furnishing your home, or want your children to get the best education possible? Whatever your needs are, we are here to help get you closer to achieving them.

Personal Finance - Liquidity

  • Bonds Finance
  • Shares Finance
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Personal Finance - Services

  • Holiday packages / Air tickets
  • Umrah
  • Education
  • Medical treatment
  • House/Flat / office/ shop annual rent
  • Wedding & Events expenses
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Personal Finance – Goods

  • Furniture
  • Electronics
  • Household Appliances
  • Building Materials & Tools
  • Personal Computers & Lap Tops
  • Boats, Motorcycles & machineries*
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Calculate your monthly Personal Finance installments

Personal Finance For all your lifestyle needs.
  • Please select your nationality

Finance Amount (Use progress bar or edit amount manually):


Tenure (Use progress bar or edit tenure manually):

1 Years4 Years

These calculation are for illustration purpose only and based on an average rate. Actual calculation might differ. . .

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Monthly Payments personal-financing
1- If customer fails to pay any installment for any reason the remaining installments shall become immediately due and payable
2- You may have to pay penalties if you pay off a finance early
3- If you do not meet the repayments/payments on your finance, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future
4- Refinancing your finance may take longer to pay off than your previous finance and may result in paying more profit

Our commitment to unparalleled service

Convenient monthly installments
and flexible repayment

Get approved quickly
and easily for high
finance amounts

Easy and Fast Financing to:

    New SIB bank customers

    New UAE residents

Required Documents
    • Application form
    • Valid Passport copy (with visa page for expats)
    • Salary transfer letter/ Salary certificate addressed to SIB
    • Liability Certificate issued by the other bank (If applying for Liability Takeover)
    • Three months bank statement (If Salary not transferred to SIB)
    • Emirates ID Copy
    • View Terms and Conditions


    Important Information:

    • Minimum Salary AED 5,000
    • Salary must be transferred to SIB
    • Employer must be listed in SIB approved list of employers
    • AECB report is required
    • Minimum age to apply 21 years
    • Maximum age at time of completion of finance tenor should be 65 years for UAE Nationals and 60 for expats

What would you like to do?

Give us feedback

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Calculate installments

Missed the calculator? Get your monthly repayment details instantly.

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The online application takes only a few minutes to fill out.

Frequently asked questions

What's the difference between Murabaha and Ijarah personal finance?

Murabaha covers finance solutions for goods, while Ijarah covers services.

Yes, you can apply for our Ijarah Services solution under SIB's Personal Finance umbrella to cover rent for not only your home, but also office and commercial space.

The exact processing period for applications depends on personal circumstances, but you can rest assured that our approvals are generally fast and straightforward.

All you need to do is visit the Online Banking page through www.sib.ae and register as a new user of a retail account. You should have your card or account number and verification code ready to create your user ID and complete the process.


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