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Consumer Loan

Who said you can’t buy it?

Are you planning on spending a special vacation, or buying new furniture, home appliances or electronics?

Benefit from our Consumer Loan, which offers you the fastest and easiest way to borrow, at affordable rates and convenient terms.

All you need to do is choose your item and fill in the application form at the store.

  • Loan granted in LBP and USD, amounting up to USD 25,000 or equivalent in LBP
  • Loan period:

-  Up to 3 years for private sector
-  Up to 4 years for public sector with salary domiciliation at Credit Libanais

  • Loan repaid in equal monthly installments
  • Fixed flat interest rates according to the loan currency:

-  USD: Ranging between 7% and 10%
-  LBP: Ranging between 9% and 11%

  • No down payment required
  • No file fees
  • Free life and permanent disability insurance
  • Fiscal stamps: LBP 10,000 yearly & 1.5 ‰ on the Bills or Promissory Note.
  • In case of prepayment: A refund of maximum 40% of the remaining interest fees

Example of Credit Libanais Consumer’s Loan in USD (Private sector)


Loan Amount


Loan Period


Flat Interest Rate1

Annual Percentage Rate2 (APR)

Monthly Loan Installment

USD 2,500

2 years



USD 120


Example of Credit Libanais Consumer’s Loan in LBP (Public sector)


Loan Amount


Loan Period


Flat Interest Rate1

Annual Percentage Rate2 (APR)

Monthly Loan Installment

LBP 3,000,000

2 years



LBP 147,000


These examples are applicable for a 30-year-old customer with salary domiciled at Credit Libanais
The APR includes interest and fiscal stamps fees.

  • Applicant should be a Lebanese resident
  • Applicant’s age should be over 21 and not exceeding 64 by the end of the loan period
  • For employees:

-  Applicant should have completed the probationary period with the employer
-  Minimum 2 cumulative years of employment, of which one year with the same employer

  • For self-employed:

-  Minimum 2 years in the same business
-  Guarantee(s) may be required

  • The monthly installment should not exceed one third of the applicant’s (or family's) income
  • Documents required:

-  Copy of ID
-  Residence certificate
-  Proof of income:

      For employees: Authenticated salary certificate
      For company or establishment owners: Trade circular, commercial register, and financial statements and banks statement of account for the last 2 years
      For self-employed: Revenue declaration, profession syndicate card (Doctor, engineer, etc.), and financial statements and banks statement of account for the last 2 years.

  • Store or merchant premises
  • Credit Libanais branches


1 The interest is fixed, flat, and calculated based on the amount of money borrowed at the beginning of the loan.
2 The Annual Percentage Rate, known as APR, represents the actual yearly cost over the term of a loan.

The list of retailers who have opted for Credit Libanais Consumer Loan is growing given its potential to increase business and profit margins.

  • Adkom (Dora)
  • Multimedia Megastore (Zalka & ABC)
  • Microfolie (Naher el Kaleb) 
  • The 460 Multimedia  Megastore  (Cornich al Naher & ABC Achrafieh)
  • Teletrade (Zalka)
  • Mike Istore  (Jbeil)
  • Computop (Zahle)
  • Virgin Megastore
  • Compuword
  • Ets Abded Tahan (All Branches) 
  • Ste Sarkis Lteif & Sons (Maameltein) 
  • Ets Abdel Hussein Badran (Taalbaya) 
  • Khoury Home (All Branches)
  • Aghasarkissian (Dora)
  • Imaz Trading (Zahle )
  • White space  (Badaro)
  • Hamdan (Jnah & Mazraa)
  • Hajj Electronics (Sin el Fil)
  • A.M.F (Bar Elias)
  • Beytech
  • Commtech
  • Ets Ahmad Taleb (Tripoli )
  • Ets Khaled obeid  (Tripoli )
  • Rammal Group
  • Les Fils de Najib Abi Safi
  • Ets Houssam Haddam
  • Spinneys 
  • Farra Design Center (Mkalles)
  • Mobili Top (Zalka)
  • Sleep Comfort
  • Galerie Vanlian (Dora)
  • Meubles Décor (Zalka)
  • Classique Home (Saida)
  • Virgin (Martyrs’ Square – BHV Jnah – Beirut International Airport)
  • KYPROS (Siemens Dora)
  • Dawtec (Hazmieh)
  • Ets Elias Sawan (Tripoli)
  • S.I.G (Batroun )
  • Solar solutions (Zahle )
  • Green Essence 
  • Hermes Travel

Conditions apply as at 01/01/2018 and are subject to variation.
The final conditions will be included in the loan agreement where applicable.
Approval of loans is subject to Credit Libanais Bank conditions.
The Bank reserves the right, at its sole discretion, to amend the above Terms and Conditions at any time, without prior notice.

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