Crédit Agricole Bank — Personal Loan

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Personal Loan

Rate: 14.05%
Monthly payment: 4,004 EGP
Total payment: 144,150 EGP

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Flat rate: 14.05%
Declining rate: 25%
Annual cost rate (APR): 27.06%
Monthly payment: 4,004 EGP
Total interest: 42,150 EGP
Total payment: 144,150 EGP

The real yearly cost including upfront fees — use it to compare banks.

What you actually receive

Amount requested: 100,000 EGP
Fees deducted upfront: 2,000 EGP
Paid into your account: 98,000 EGP
Total you repay: 144,150 EGP

Upfront fees are deducted from the loan when it is paid out, but interest is charged on the full amount.

Repayment schedule

Repayment schedule
No.	Installment	Principal	Interest	Fees	Remaining
1	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	97,222 EGP
2	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	94,444 EGP
3	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	91,667 EGP
4	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	88,889 EGP
5	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	86,111 EGP
6	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	83,333 EGP
7	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	80,556 EGP
8	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	77,778 EGP
9	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	75,000 EGP
10	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	72,222 EGP
11	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	69,444 EGP
12	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	66,667 EGP

Show remaining 24 months

Repayment schedule
No.	Installment	Principal	Interest	Fees	Remaining
13	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	63,889 EGP
14	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	61,111 EGP
15	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	58,333 EGP
16	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	55,556 EGP
17	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	52,778 EGP
18	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	50,000 EGP
19	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	47,222 EGP
20	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	44,444 EGP
21	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	41,667 EGP
22	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	38,889 EGP
23	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	36,111 EGP
24	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	33,333 EGP
25	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	30,556 EGP
26	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	27,778 EGP
27	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	25,000 EGP
28	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	22,222 EGP
29	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	19,444 EGP
30	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	16,667 EGP
31	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	13,889 EGP
32	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	11,111 EGP
33	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	8,333 EGP
34	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	5,556 EGP
35	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	2,778 EGP
36	4,004 EGP	2,778 EGP	1,171 EGP	56 EGP	0 EGP

Fees

Early settlement: 7%
Admin fee: 2%
Late payment penalty: 100 EGP

Who can apply

Age: 21 to 60 years old at the end of the loan term
Salary transfer: No salary transfer
Employment type: Self-employed
Company sector: Private local

Under Central Bank of Egypt rules, your total monthly installments cannot exceed 50% of your income.

Required documents

Commercial Register
Utility Bill
National ID

Frequently asked questions

What is a personal loan and how does repayment work?

A personal loan is an amount a bank lends you that you repay through fixed monthly installments over an agreed period; each installment covers part of the principal and part of the interest. Use the calculator on this page to see an estimated monthly installment before deciding anything.

What determines the interest rate you're offered?

The rate a bank offers varies and is shaped by factors such as your employment type (employee, self-employed, or professional), whether you transfer your salary to that bank, your credit history, and the loan amount and tenor. That's why the offers you see change based on what you enter in the calculator.

What's the difference between flat and declining-balance interest?

Flat interest is calculated on the full original loan amount for the whole term, while declining-balance interest is calculated only on the remaining balance, which shrinks with each installment you pay. Two loans can quote the same-looking rate yet cost different amounts in practice — ask the bank which method it uses before comparing offers.

What documents are typically required to apply?

Required documents vary by bank, but typically include proof of identity, proof of income (such as a salary certificate or bank statement), and proof of address. Check each offer's details page in your calculator results to see exactly what that bank asks for.

What does salary transfer mean, and why does it change your offer?

Salary transfer means your monthly salary is deposited into an account with the bank that granted the loan. Some banks offer better rates or easier terms to customers who transfer their salary, because it lowers the bank's risk of missed payments — that's why the calculator asks about your salary-transfer status before showing results.

What does early settlement mean?

Early settlement means paying off the remaining loan balance in one payment before the agreed term ends. Most banks charge a fee for this, and the percentage varies by bank and by product — you'll find that percentage, where available, on each offer's details page.

What happens if you miss a payment?

Missing a payment can lead to late fees from the bank and a negative mark on your credit record with Egypt's credit-reporting bodies, which can make future financing harder to get. If you expect difficulty paying, it's best to contact your bank early to discuss the options available rather than staying silent.

Where do the numbers on this page come from, and how current are they?

The offers and rates shown in your calculator results come from bank data we collect and update on an ongoing basis — they are not figures we invent or estimate ourselves. Even so, the actual rate at the time you apply can change, so we always recommend confirming final terms directly with the bank before signing.

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