Personal Loan
Flexible financing to support your lifestyle needs
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Get quick access to funds for personal, lifestyle, or urgent expenses. |
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Flexible repayment options aligned to your needs. |
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Competitive interest rate. |
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Fast approval and disbursal. |
Take control of your financial plans with a Personal Loan designed to support your goals—whether planned or unexpected. BankDhofar offers flexible financing backed by guidance and convenience at every step.
Apply for a Personal Loan now
Choose How You Want to Use Your Personal Loan
Manage Everyday Expenses
Stay on top of your day-to-day financial needs with a structured solution that helps you plan your expenses more effectively. Whether it’s routine payments or short-term commitments, a personal loan can help you maintain financial balance with confidence.
Travel & Lifestyle Needs
Turn your plans into reality—whether it’s a long-awaited holiday, a special celebration, or lifestyle upgrades. Access financing allows you to enjoy important moments without delay while managing repayments comfortably over time.
Debt Consolidation
Simplify your financial situation by combining your multiple commitments into a single, easy-to-manage payment. A structured personal loan can help you better organize your commitments and improve clarity when planning your monthly budget.
Education & Family Needs
Support important milestones such as education expenses or family commitments. From tuition fees to family events, ensure you’re prepared for what matters most with a financing solution designed to support your priorities.
Emergency Financial Support
Be prepared for any emergency by accessing financing when you need it most. Whether it’s urgent repairs, medical needs, or unexpected expenses, a personal loan can provide timely financial support with flexible and structured repayment options.
Repay your loan with confidence through clearly defined and manageable repayment plans designed to fit your income and financial commitments.
Estimate your repayments in seconds using the loan calculator on the website. Plan before you apply with full clarity.
Make informed financial decisions by understanding your monthly commitments upfront. With the easy-to-use loan calculator available on the website, you can instantly estimate your repayments based on your preferred loan amount and tenure.
Wide Range of approved company list making your chance of being eligible higher. More opportunities to qualify with a broader employer network.
Eligibility is an important part of any loan journey. BankDhofar supports customers across a wide range of approved companies, increasing accessibility for individuals from different employment backgrounds.
Fast Processing, massive branch network which means we are very close to you and ease of processing. Speed, accessibility, and support when you need it.
Your time matters. Bank Dhofar combines speed and efficiency in processing transactions with a strong branch network across the country, ensuring you receive support quickly and conveniently - wherever you are.
Personal loan rates
|
Company Tier |
Salary Less than 700 |
Salary 700 & above |
|
Tier 1 |
4.99% |
4.75% |
|
Tier 2 |
5.25% |
4.99% |
| Tier 3 |
5.75% |
5.49% |
| Tier 4 |
|
5.49% |
Buyout Personal loan rates
|
Registered Employer List |
Salary Less than 700 |
Salary 700 & above |
Salary 3,000 & above |
|
Tier 1 |
4.49% |
4.25% |
4.15% |
|
Tier 2 |
4.75% |
4.49% |
4.35% |
| Tier 3 |
5.00% |
4.75% |
4.49% |
| Tier 4 |
|
5.25% |
5.00% |
Eligibility Criteria
Any Omani citizen or resident above 18 years of age
Start Your Journey with a Current/ Saving Account.
Open a BankDhofar Account to begin your personal loan journey. This is your first step before applying for a Personal Loan.
Learn more about BankDhofar Accounts.
Ask a question or request a call-back. Our team is here to support you throughout your onboarding journey.
Click here.
Individuals who meet the bank’s eligibility criteria, including Omani nationals and expatriates (as applicable), subject to approval.
Yes, up to 2 repayment deferments per year (inclusive of Eid Deferment) can be requested during loan application. However, bank does not promote its customers to take deferrals as it extends loan maturity beyond promised tenures.
Yes. New customers are required to open a BankDhofar Account before applying for a personal loan.
Yes, eligibility is subject to the bank’s internal criteria, including minimum salary requirements. Refer to eligibility section.
You can visit your nearest BankDhofar branch or request a callback. Team will guide you through the process.
Typically includes identification, proof of income, bank statements. You may refer to document section on the website.
Processing time depends on documentation and approval requirements. Timelines will be shared during the application process. If all documents are in order it would take a maximum of 5 working days.
Rates depend on the employer name and salary. Refer to the rates section for indicative slabs.
Yes, repayment tenure options are available within approved limits.
Processing fees and other applicable charges may apply. Please refer to the Fees & Charges section for details.
Yes, you may explore refinancing options based on your eligibility and financial situation at that time.
Do you need further assistance or have questions about Loans?
We are here to help you. Do not hesitate to contact us.
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