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Personal Finance

Specifically designed to cater to your needs.

Financing your personal plans is now easier than ever

Enjoy the most out of life with our Personal Finance solution. Get a head start on achieving your dreams and start securing a brighter future, right away. Apply for a Personal Finance and get cash that will help with school fees, a personal investment, travel, furnishing your house or paying rent – we are always here to support you.

Choose between Goods or Services Finance

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

Personal Finance - Cash Out 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
Apply Now

Personal Finance – Goods

  • Furniture
  • Electronics
  • Household Appliances
  • Building Materials & Tools
  • Personal Computers & Lap Tops
  • Boats, Motorcycles & machineries*
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Additional Personal Finance

An extra helping hand for total peace of mind.

Circumstances can change from one day to another. Our top-up option offers eligible customers funds over and above their existing finance scheme, enabling them to cover rent, personal investments, and other expenses.

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Takeover liability from other banks

Cut all your liabilities down to one place.

Simplify your life with this convenient solution, as we take over all your liabilities from any bank or institution, and consolidate them into a single finance scheme. Take advantage of low profit rates, no hidden fees, and a lower, more manageable number of installments.

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

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Monthly Payments personal-financing

Travel Finance

The world is now at your reach.

Whether you are traveling for business or leisure, you can now fully enjoy the luxury of getting comprehensive finance for your trip with easy and flexible installments, while making the best of a range of privileges through our network of partners.

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Rent finance

Add more life to living.

Looking to upgrade your living or working situation, but are short of the means to make it happen? Our rent finance scheme can give you a crucial boost and offer the confidence you need to see you through your transition.

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Our commitment to unparalleled service

Convenient monthly
installments and
competitive rates

Get approved quickly
and easily for high
finance amounts

Enjoy flexible repayments
with a grace period
of up to three months
on the first installment

To Apply


  • Applicants should be at least 21 years
  • Minimum Salary AED 5,000
  • UAE national or expat with valid residency

Required documents

  • Application form
  • Passport & Emirates ID copy
  • AECB
  • Salary certificate
  • Liability Certificate issued by other bank ( If applying for Liability Takeover)
  • Quotation from vendor (If applying for Goods Murabaha/Service Ijarah) 
  • Three-month bank statement

What would you like to do?

Give us feedback

Write to us and we will get back to you soon.

Calculate installments

Missed the calculator? Get your monthly repayment details instantly.

Apply Now

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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