No salary transfer
Keep your salary and your everyday bank account exactly where they are. Get your financing from us without moving a thing.
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Personal Finance
Finance for what matters most.
A wedding, a fresh start, a home upgrade, an unexpected bill. Whatever life asks of you, we keep it simple, with no salary transfer.
- High loan amounts · No salary transfer · No collateral
For
Finance estimator
What would it cost each month?
Drag the sliders and your estimate updates instantly.
*Estimated monthly instalment
Amount financed
* This instalment is indicative only and is calculated on a reducing-balance basis. Your final instalment is confirmed on approval, after we review your documents.
Why personal finance with us
Less paperwork, less waiting, fewer strings.
We're proud to help people afford what they need or dream of, without the worry. Here's what makes it easy.
Read more
Straightforward approval
We tell you exactly what we need up front, and a named specialist keeps you updated from application to approval.
Without collateral
The approval is based on credit eligibility.
Simple to apply
A short and smooth process.
What it's for
Whatever you wish for, or need.
Big or small plans, simple financing for the moments that matter.
Celebrations
A wedding or a milestone, done the way you always pictured.
Education
Tuition, a course or a degree that opens doors. Invest in your next chapter.
Home upgrade
New furniture, a renovation, the repair you've been putting off.
Life's surprises
An unexpected bill.
How to apply
Four easy steps. Mostly from your phone.
No branch visit to get started, and no chasing afterwards.
- 1
Choose your amount
Use the estimator to find a monthly instalment that fits.
- 2
Apply
A short form on your phone, or a quick call.
- 3
Get your decision
We review your application and come back to you.
- 4
Receive your funds
Approved funds are sent straight to your account.
Plain terms
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What you see is what you pay.
Every fee, shown up front.
Your financing is calculated on a reducing-balance basis, so you only ever pay on what you still owe. We show every fee and the APR up front, let you settle early for a small capped fee, and never ask you to move your salary. Clear, human, and yours to check at any time.
Salary transfer
Not required
Collateral
Not required
Decision
Quick Decision
Illustrative. Amount, term and rate depend on your profile; the indicative APR is confirmed on approval.
Rates & fees
Everything on the table
Our published schedule, plainly stated, as the Central Bank of Bahrain requires. All fees are subject to 10% VAT.
Am I eligible?
What you'll need
Nothing you don't already have. Get these ready and it all moves faster.
Eligibility
- Aged 21 or over
- A Bahraini national, or a resident with a valid CPR
- Salaried or self-employed (CR owners), with verifiable income
- Minimum salary of BD 300 for Bahrainis & BD 400 for Residents.
Documents
- Your CPR (front and back)
- A recent salary certificate or proof of income
- Recent bank statements
Good questions
Before you ask us
Do I have to move my salary to you?
No. You can take personal financing with us and keep your salary and your everyday bank account exactly where they are.
How quickly will I get a decision?
It depends on the documents you provide. Once we have everything we need, a specialist confirms your decision and keeps you updated.
Do I need collateral or a guarantor?
No collateral is required. Approval is based on your creditworthiness and affordability, not your assets.
What can I use the financing for?
Whatever you wish for or need: a wedding, education, home improvements, travel, medical costs, or bringing other commitments together.
Can I settle early?
Yes. Early settlement costs 1% of the outstanding amount, capped at BD 100, plus VAT.
What are the requirements for personal finance in Bahrain?
You need to be aged 21 or over, a Bahraini national or a resident with a valid CPR, and salaried or self-employed (CR owners) with verifiable income. The minimum salary is BD 300 for Bahrainis and BD 400 for residents.
Which documents do I need to apply?
Your CPR (front and back), a recent salary certificate or proof of income, and recent bank statements.
How do I apply for personal finance with BCFC?
Choose your amount with the estimator, then apply with a short form on your phone or a quick call, or apply on the Sahel by BCFC app. We review your application and come back to you with a decision, and approved funds are sent straight to your account. No branch visit is needed to get started.
How much does personal finance cost?
The APR starts from 10% and depends on your credit profile. There is a BD 100 admin fee, and settling early costs 1% of the outstanding amount, capped at BD 100. All fees are subject to 10% VAT. Financing is calculated on a reducing-balance basis, so you only pay on what you still owe.
Can residents and expats get personal finance in Bahrain?
Yes. A resident with a valid CPR and a minimum salary of BD 400 can apply, with verifiable income as an employee or a CR owner.
Start now
Apply now.
Apply in minutes on the Sahel by BCFC app, or leave your details and a specialist will call you.
- Download the Sahel by BCFC app.
- Confirm your ID in minutes.
- Get approved and receive your funds.
* All features and financing are subject to terms and conditions and credit approval.
Sahel by BCFC
Once it's yours, Sahel does the rest.
Track your financing, see your next instalment, download statements and get support, all in the Sahel by BCFC app. No branch, no queue, no waiting.
Download the app
