Islamic personal-finance research

Compare Islamic personal loans and financing by market

Review named personal-finance products by purpose, structure, eligibility, amount, tenure and total payable rather than relying on a provider-wide label.

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Comparison scope

Compare like with like

Eight named Islamic personal-finance products across Malaysia, the United Arab Emirates, Saudi Arabia, Qatar, and Kuwait, checked against provider-owned product pages or disclosure documents. They are not interchangeable cash loans: the products use different Murabaha, Tawarruq, Sukuk-sale, or service-Ijarah mechanics and have market-specific salary, residency, fee, and settlement rules.

  1. 01exact Murabaha/Tawarruq asset and agency sequence
  2. 02unsecured or secured status
  3. 03eligible nationality/residency, employer, salary, and age
  4. 04minimum and maximum finance amount
  5. 05tenure and first-payment deferral
  6. 06flat profit, effective profit, APR, and total sale price
  7. 07processing, brokerage, takaful, and late-payment charges
  8. 08partial and full early-settlement calculation
  9. 09hardship, arrears, set-off, and default treatment
  10. 10current KFS/PDS, final offer, and product-level Shariah evidence

Exact product directory

Products, not provider labels

Every entry keeps the issuing or operating entity attached to a named product and market. A provider-wide Islamic label is never carried across products, countries or legal entities.

01Malaysia

Maybank Islamic Personal Financing-i

Maybank Islamic Berhad

Product type
Unsecured fixed-rate Commodity Murabahah / Tawarruq personal finance
Evidence status
Official fields checked
Checked
2026-09-15

Verified product fields

  • The official PDS identifies an unsecured facility with fixed instalments and Murabahah via a Tawarruq commodity arrangement.
  • The current product page publishes financing from RM5,000 to RM100,000 for 2 to 6 years.
  • Current headline fixed profit tiers are 8%, 7%, and 6.5% p.a. by amount, while the provider warns that effective profit varies by amount and tenure.
  • The route is for eligible Malaysian citizens aged 21 to 60; current income and account requirements are subject to bank assessment.
  • The product page publishes late-payment compensation of 1% p.a. on overdue amounts until the monthly payment is made in full.
Evidence boundary. Headline fixed profit is not the effective annual cost. The current PDS, approval letter, instalment table, takaful deduction, total sale price, rebate/early settlement, post-maturity compensation, and eligibility must be matched to the approved amount and tenure; older official PDFs contain superseded price tiers and must not be merged.
Maybank — Islamic Personal Financing-i ↗
02United Arab Emirates

Personal Finance

Emirates Islamic Bank PJSC

Product type
Murabaha of investment certificates personal finance
Evidence status
Official fields checked
Checked
2026-09-15

Verified product fields

  • The KFS describes the bank selling assets/certificates to the customer at disclosed cost plus profit, followed by the customer's sale to a third party for cash.
  • Maximum tenor is 48 months, or 60 months for Ministry of Defence staff, with fixed profit for the finance period.
  • The KFS publishes indicative flat profit of 2% to 10% p.a. and indicative APR of 2.38% to 10.38% p.a.; the applicant rate may differ.
  • Published processing fee is 0.7875% of finance amount, minimum AED 525 and maximum AED 2,625 inclusive of VAT; late-payment fee is AED 210 and is designated for approved charity after actual expenses.
  • Published partial/full early-settlement charge is 1.05% or AED 10,500, whichever is less, inclusive of VAT.
Evidence boundary. All rates and examples in the KFS are indicative. Salary source, employer, maximum amount, takaful, first-payment grace period, effective-rate payment schedule, unearned profit on early settlement, and applicant total payable must be taken from the live KFS and facility offer; the product statement does not validate how a customer uses cash proceeds.
Emirates Islamic — Personal Finance KFS ↗
03United Arab Emirates

Personal Finance / Goods Murabaha

Abu Dhabi Islamic Bank PJSC

Product type
Murabaha personal finance
Evidence status
Official fields checked
Checked
2026-09-15

Verified product fields

  • ADIB's KFS identifies Goods Murabaha and other personal-finance variants; the exact asset and variant must appear in the offer.
  • The current route publishes up to AED 3 million for UAE nationals and AED 2 million for UAE residents, for up to 48 months.
  • Published eligibility includes minimum salary AED 5,000, minimum age 21, and maximum age at maturity of 65 for UAE nationals or 60 for expatriates.
  • The bank allows up to two instalment postponements a year subject to its conditions.
  • ADIB's effective February 15, 2025 notice publishes non-waived profit on partial/final early settlement as 1% of outstanding finance cost plus VAT.
Evidence boundary. Product variants have different goods/certificate and salary-transfer conditions. Maximum amount is not entitlement; employer category, salary transfer, actual profit/APR, processing/brokerage/takaful fees, grace-period economics, total Murabaha price, and default treatment must be checked in the current KFS, tariff, terms, quotation, and signed sale contract.
ADIB — Personal Finance ↗
04Malaysia

Personal Financing-i — Floating Rate

Bank Islam Malaysia Berhad

Product type
Unsecured Tawarruq / Commodity Murabahah personal finance
Evidence status
Official fields checked
Checked
2026-09-19

Verified product fields

  • The August 6, 2025 PDS identifies an unsecured personal-finance facility for a Shariah-compliant purpose using Tawarruq through two commodity sale-and-purchase contracts.
  • Bank Islam acts as the customer's purchase and sale agent: the commodity is bought on Murabahah deferred terms and sold to a third party for cash proceeds.
  • Profit is calculated on a monthly reducing balance and can change when the Standardised Base Rate changes.
  • The customer's payment obligation is the Bank's Sale Price paid according to the agreed instalment schedule.
  • The PDS distinguishes the floating-rate route from fixed-rate and collateralised Personal Financing-i packages.
Evidence boundary. The PDS explains mechanics but is not an approval or current personalised quote. Financing purpose, amount, tenure, SBR-linked effective profit, ceiling sale price, stamp duty, takaful, agency steps, ibra', late-payment compensation, set-off, early settlement, and total payable must be taken from the current PDS and accepted offer; older Bank Islam PDS versions must not be merged.
Bank Islam — Personal Financing-i Floating Rate PDS (6 August 2025) ↗
05United Arab Emirates

Personal Finance — Sukuk Murabaha

Dubai Islamic Bank PJSC

Product type
Sukuk-based Murabaha personal finance
Evidence status
Official fields checked
Checked
2026-09-19

Verified product fields

  • DIB publishes a consolidated Key Facts Statement for Personal Finance Sukuk products and identifies Dubai Islamic Bank PJSC as the CBUAE-regulated contracting bank.
  • The KFS separates general personal finance, liability-settlement, and other named propositions rather than treating them as one universal facility.
  • For liability settlement, salary transfer becomes mandatory after the bank settles the customer's DIB and non-DIB obligations and receives clearance.
  • The KFS requires the applicant to review the product definition, repayment schedule, fees, risks, and cooling-off rights before signing.
  • DIB publishes product warnings, terms, fees, and a product-level Shariah certificate alongside its personal-finance documentation.
Evidence boundary. The consolidated KFS contains distinct propositions. Do not carry salary-transfer, liability-settlement, amount, tenor, rate, fee, deferment, or eligibility facts from one variant to another. The dated applicant KFS, Sukuk sale documents, salary undertaking, settlement letters, and final payment schedule control.
DIB — Personal Finance Sukuk Key Facts Statement ↗
06Saudi Arabia

New Personal Finance

Al Rajhi Banking and Investment Corporation

Product type
Shariah-compliant personal finance
Evidence status
Partial record
Checked
2026-09-19

Verified product fields

  • The official product page publishes a tenure of up to 60 months for eligible Saudi and non-Saudi applicants.
  • Published maximum finance is SAR 2.5 million for Saudi applicants and SAR 1.5 million for eligible non-Saudi applicants.
  • Eligibility includes citizens or residents who are employed or retired, with different minimum ages, salaries, employer rules, and maximum age at final instalment.
  • The bank states that early repayment can be requested at any time.
  • The official worked example is expressly illustrative and says actual approval details must be obtained from the bank.
Evidence boundary. The page's starting annual rate, calculator, maximum amounts, and worked APR do not constitute an applicant offer. The exact Shariah contract and asset sequence, salary assignment, employer accreditation, administration fee, takaful, APR, early-payment calculation, total payable, and credit decision require the current quotation and signed finance documents.
Al Rajhi Bank — New Personal Finance ↗
07Qatar

Personal Finance

Qatar Islamic Bank Q.P.S.C.

Product type
Salary-backed Shariah-compliant personal finance
Evidence status
Official fields checked
Checked
2026-09-19

Verified product fields

  • The current product page publishes a minimum finance amount of QAR 15,000 and states that no guarantor is required, subject to salary and credit eligibility.
  • Published maximum finance including profit is QAR 2 million for Qataris and QAR 400,000 for eligible residents.
  • The page distinguishes monthly debt-burden limits of 75% of basic salary and social allowance for Qataris and 50% of total salary for residents.
  • Published age ranges are 18–65 for Qataris and 21–60 for residents, with confirmed employment at a QIB-approved employer.
  • QIB states that equal monthly instalments, Credit Shield Takaful, debt transfer, and an emergency grace period of up to three months may be available under the product conditions.
Evidence boundary. Maximum finance is stated including profit and is not cash proceeds or entitlement. The page does not close the exact contract structure, live profit rate, tenure for every applicant, takaful contribution, buyout amount, fees, deferment economics, early settlement, default treatment, or total payable; the applicant contract and repayment schedule control.
QIB — Personal Finance ↗
08Kuwait

Online Tawarruq Finance Request

Kuwait Finance House K.S.C.P.

Product type
Digital Tawarruq personal-finance application route
Evidence status
Partial record
Checked
2026-09-19

Verified product fields

  • KFH publishes an online finance-request route through the KFH Mobile application for eligible customers.
  • The official FAQ describes the service as a finance application channel rather than a guaranteed or pre-approved facility.
  • Access depends on KFH Online/mobile enrolment and the bank's customer authentication process.
  • KFH publishes separate general terms and conditions for personal-finance products requiring current salary and customer information.
  • Post-disbursement services, including settlement and excess-instalment handling, are documented separately by KFH.
Evidence boundary. This official route verifies a digital Tawarruq application channel, not a complete public price card. Product purpose, commodity steps, applicant class, amount, tenure, profit/APR, fees, salary assignment, guarantor, early settlement, default, and total payable remain evidence gaps until the applicant-specific KFS, terms, quotation, and Tawarruq contracts are obtained.
KFH — Online Tawarruq Finance Request FAQ ↗

Research method

How to use this channel

  1. 01

    Choose the exact need

    Start with personal loans and the market where you can legally apply or purchase.

  2. 02

    Verify the exact product

    Match the legal entity, product name, eligibility, current terms and first-party source—not just the brand.

  3. 03

    Recheck before acting

    Rates, contributions, fees, limits and availability change. Obtain the current terms or quote from the provider.