Personal Loan


It’s never been that personal with your personal loan from BCN. Tailored to your own needs, this medium-size loan offers you attractive credit features and flexible payment conditions to help you fulfill your aspirations.


  • Amount: Between USD 1,000 and USD 15,000 or C/V in LBP
  • Monthly payments: Up to one-third of monthly salary/income
  • Repayment period: 1-4 years
  • Interest: Competitive rates
  • Currency: LBP or USD
  • File fees: USD 100 or equivalent
  • Grace period: N/A


  • Minimum Income requirement: USD 700 or C/V in LBP for single applicants, USD 900 or C/V in LBP for married applicants
  • Minimum of two years of employment at the same company
  • Age between 21 and 64 years old (last settlement of loan)
  • Lebanese citizen for at least 10 years residing in Lebanon
  • NSSF registered
  • Debt to income ratio ensuring that all monthly bills, including BCN’s, do not exceed 1/3 of client’s monthly income (including transportation and family allowance)
  • Client should reside in the same geographical area of the bank and its branches. All exceptions are subject to the Retail Credit Committee discretion
  • Retirement salaries are not accepted as income to clients or guarantors.
  • File fees: USD 100
  • Clean judicial record

Collaterals/Support Accepted to BCN

  • Cash collateral: 110% (of principal plus interest) if same currency, 120% if different currency, 120% USD vs. LBP deposit with a spread of 2% on same currency and prime rate on different currency
  • Salary domiciliation
  • Personal guarantee
  • Proxy to mortgage
  • Real estate mortgage
  • Life and PTD insurance are a must against personal and housing loans
  • The Retail Committee has the right to ask for any other collateral as per the credit profile of client