Personal Loan

Whether you're planning for smaller expenses or larger dreams, our Personal Loan makes achieving your goals easier.

  • Unsecured loan, approved and disbursed the same day in-branch
  • Borrow between Rs 25,000 and Rs 1,000,000, or up to 12 times your monthly salary, whichever amount is lower
  • Choose flexible repayment periods of up to 84 months
  • No need for a guarantor, security, or collateral
  • No monthly maintenance fees

What's possible with a Personal Loan

Each dream is unique, and every situation is distinct. Explore the various ways in which the Personal Loan can help you meet your specific needs.

1. Who can apply?

The Personal Loan is accessible to MCB customers, and to those who do not currently have an account with us, provided they meet our lending criteria.

To process your application, we'll need the following documents:

  • Identity card
  • Recent proof of address in the borrower's name (dated within the last 3 months), such as a CEB, CWA, or Telecom bill
  • Birth certificate (if the address is in a parent's name)
  • Marriage certificate (if the address is in the spouse's name)
  • 3 latest pay slips
  • Account statements for the past 12 months (if your salary isn't deposited into MCB)

2. Curious about your borrowing capacity?

Try our calculator to determine your precise borrowing capacity and affordable repayment amount.

Try our calculator

3. How to apply?

Each application is unique to the candidate. Our dedicated team handles your information with the utmost confidentiality and stays in touch to inform you of any additional information being required or occasional delay in the application process.

Apply now or on MCB Juice: Check your eligibility for a Personal Loan instantly and upload your documents for approval. Upon approval, all that's left is to visit your nearest branch to sign the agreement.

Walk-in instant approval: If you’re already an MCB customer, visit any of our branches for on-the-spot loan approval and disbursement, subject to terms and conditions, based on your income, debt, and history with us. Find your nearest branch.

Achieve your goals – you can afford it

That holiday you’ve always wanted, a car, a special celebration or dealing with unplanned expenses… you can take an unsecured loan of up to Rs. 1,000,000. MCB Personal Loan allows you to borrow up to twelve times the amount of your salary (or a maximum of Rs. 1,000,000). With flexible repayment periods, our loans stretch as far as your dreams

Features and benefits

  • Borrow between Rs. 25,000 and Rs. 1,000,000
  • Flexible repayment periods up to 84 months
  • Competitive interest rates
  • No Guarantor/Security/Collateral required
  • Instant approval and disbursement in our branches*
  • Also available to non-MCB customers


*Terms and Conditions apply

Start your application today!

Access our user-friendly online application to:

- Instantly check your eligibility
- Upload your documents for approval

Don’t wait any longer: Get started and share your projects with us. Together, we'll work on a solution that fits both your means and your aspirations.

Apply now