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Loan Calculator
Loan Refinancing Calculator
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Al Jawhara Calculator

The minimum deposit is KD 50 and maximum deposit is KD 500,000.

In case of no withdrawal within the holding period, extra chances will apply.

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NBK Miles Points Calculator

Loan Calculator

BORROW AFFORD

  • 12 Months

  • 24 Months

  • 36 Months

  • 48 Months

  • 60 Months

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This is for demonstrative purpose only. Call 1801801 or visit a branch for exact calculations.

Loan Refinancing Calculator

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This is for demonstrative purpose only. Call 1801801 or visit a branch for exact calculations.

- Assuming that you have paid all your installments on time

- Your loan term did not have a grace period with no partial payments

- Government loans cannot be refinanced

Term Deposit Calculator

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This is for demonstrative purposes only. Call 1801801 or visit a branch for exact calculations.

View Interest Rates

Currency Convertor

 06 August, 2025 

All rates are published for information purposes only.

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    Dear Customers, A system maintenance will take place on Sunday, 3 August 2025 between 5 AM & 6:30 AM. You may experience some difficulties when using WAMD Service. If you face any difficulty using our electronic channels, please contact us via NBK WhatsApp on 1801801 or on our NBK Social Media channels. Thank you for your cooperation.

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Kuwait

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INTERNATIONAL

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  4. Consumer Loan

Consumer Loan

Pursue Your Aspirations
With Consumer Loan


The Consumer Loan offers you greater flexibility for financing consumer or durable goods, education and medical expenses. Fulfill your basic needs in the most competitive and efficient manner.

Up to KD 25,000

You can get a Consumer Loan up to KD 25,000.

Fixed Interest Rate

Enjoy a fixed interest rate for 5 years.

Special Offers

Our offers are regularly updated to suit your needs. Stay informed about the latest options designed to support your financial goal.

Grace Period

Get a consumer loan now and pay after 3 months.

Flexible Repayment

Get up to 5 years repayment period.

Insurance Option

Get peace of mind with loan insurance* from NBK.

 

*You can opt for loan insurance at the time of applying for your loan only.

Up to KD 25,000

You can get a Consumer Loan up to KD 25,000.

Fixed Interest Rate

Enjoy a fixed interest rate for 5 years.

Special Offers

Our offers are regularly updated to suit your needs. Stay informed about the latest options designed to support your financial goal.

Grace Period

Get a consumer loan now and pay after 3 months.

Flexible Repayment

Get up to 5 years repayment period.

Insurance Option

Get peace of mind with loan insurance* from NBK.

 

*You can opt for loan insurance at the time of applying for your loan only.

Navigating Life's Financial Journey

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Healthcare and Growth

Healthcare and Growth

Cover healthcare expenses or fund continuing education to upgrade your skills.

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New Beginnings

New Beginnings

Start fresh with new home furnishings, or other major personal milestones with a flexible consumer loan.

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Family Essentials

Family Essentials

Manage school fees, daycare and other children-related expenses with ease.

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Study Support

Study Support

Finance your education or cover tuition-related expenses to invest in your future.

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Everyday Needs

Everyday Needs

Get a flexible consumer loan for unexpected expenses or lifestyle upgrades, tailored to your needs.

Calculate Your
Consumer Loan Instantly

A loan calculator is referred to a calculator that can help you estimate the monthly payments required to pay back the certain type of loan you have taken. In addition, you also get to see how much you can afford to borrow from a bank based on your income and other factors.

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Consumer Loan Eligibility

Comparison Kuwaiti Expat
Age Younger than 70 years old at loan maturity Younger than 65 years old at loan maturity
Salary Starting from 400 KD
(Terms and Conditions apply)		 Starting from 400 KD
(Terms and Conditions apply)
Salary with NBK Not necessary Not necessary

 
 

Loan Services

Buyouts

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Loan Buyout and Switcher

Transfer your loan to NBK and benefit from renowned services.

- NBK can buy out your loan from other banks, making you a loan customer at NBK
- To switch, you can close your loan at your own pace and become part of NBK as a loan customer
- Benefit from exclusive offers tailored for buyout and switcher customers from NBK

To benefit from the above services:
- Minimum 30% of existing loan installments with other banks has to be paid
- No past dues on existing loans
- New loan must be of the same type (e.g. consumer to consumer, housing to housing)

Terms and conditions apply on all of the above

Refinancing

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Loan Refinancing

Would you be happier and more at ease if you had taken out more money? With loan refinancing, borrow an additional amount of money from which the old loan can be settled.

To be eligible to access loan refinancing:
- Loan holder must replay no less than 30% of the total number of installments set for their consumer or installment loan on their due dates
- Loan holder must not have any overdue payments at the time of application
- New loan must be the same type as the original loan

Against Cash Collateral

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Loans Against Cash Collateral

Get funds easily and processed quickly with the option of getting a loan against your NBK Terms Deposit. The loan may also be obtained against cash collateral with flexible payments to be made either monthly or at term maturity.

- You can get a loan against your NBK term Deposit or any cash collateral in your account
- The minimum loan amount is KD 5,000
- The maximum loan amount is up to 100% of the NBK Term Deposit or cash collateral amount
- The loan term can be from 1 year to 15 years subject to the maturity of the deposit

FAQs

To apply for a Consumer Loan, you need a valid salary certificate, valid Civil ID or digital ID on Kuwait Mobile ID and a bank statement of the last 3 months for non-NBK Customers.

Yes, NBK offers the option of insuring your loan by sharing half of the cost of insurance while you pay the other half. NBK’s loan insurance plan insures your loan so that in the event of death, the loan outstanding is settled by the insurance company. Please note that disability of any kind is not covered under this insurance plan.

You can apply for loan insurance at the time of your loan application only.

NBK strives to make taking a loan as convenient as possible. You can close your NBK Loan anytime, at any NBK Branch in Kuwait. NBK will not charge you fees for early settlement. Please note that all you need to pay is the outstanding balance of your loan. NBK does not recover any future interest unlike other banks (Islamic).

You can make a partial settlement of your loan at any time at any NBK Branch without incurring fees or charges. NBK will not change your installment amount, so that your loan will finish earlier than the contract. You can make a partial payment of minimum KD 100 subject to a payment that won’t exceed 80% of your loan outstanding balance.

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