National Bank of Oman’s Personal Loans are designed to offer you a hassle-free experience when you need extra funding. Not only do we make sure your loan is processed quickly and efficiently, we also offer a host of benefits including flexible payment terms and additional financing. 

Please find that we have designed a Key Fact Statement (KF​S) that summarizes the main characteristics of the product. It is brief and limited to critical information that will support your understanding of the product.

You will receive an SMS confirmation once your account is opened.



  • Need a little extra financing during your existing loan tenure? You can apply for an additional loan to the original amount.*
  • Credit Life Insurance covers your loan amount for the entirety of your repayment period. This allows us to waive all outstanding loan payments in the unfortunate case of death. 
  • Installment deferment - we offer the option of deferring your monthly payment twice a year, allowing you greater control and peace of mind.  
*Terms and conditions apply. 

At National Bank of Oman, we believe that banking should be made simple for everyone. The National Bank of Oman Personal Loan is open to all Omani nationals with a minimum salary of OMR 300/- , as well as to new expatriates working in Oman with a minimum salary of OMR 500/- and existing expatriates customers with minimum salary of OMR 300/-


To apply for a personal loan, please visit a National Bank of Oman branch near you, with the below mentioned documents and the rest will be taken care of by your Relationship Manager at the bank:
  • ID copy (for all Omani nationals).
  • Salary assignment letter.
  • Recent salary certificate.
  • One passport photograph.
  • Recently paid electricity/telephone bill.
  • Six months bank statement (for buyout loans).
  • Outstanding letter (for buyout loans).​
  • Passport copy (for expatriates).
  • Labour card copy (for expatriates).​

DescriptionAmount or % (Including VAT)
SRL Processing fee26.250
Pre-payment Charge1.05% of the pre-paid amount
SRL Top-up OMR.5.250
NOC / BC OMR.2.100
Overdue payment charges1.05%
Insurance fee processing fees


minimum of OMR. 5.250

maximum of OMR. 78.750

1. What's the minimum and maximum age?

We offer personal loans to customers between 18 and 60 years of age.

2. How much can I borrow?

We base this on your monthly salary/income and other credit obligations. 

3. How long do I have to repay my loan?

You can choose a plan that is convenient for you; we offer repayment periods of up to 60 months for expats and up to 120 months for Omani nationals.​*

* Terms and conditions apply

4. What is the minimum salary required to get a personal loan for Omanis?

The minimum salary required for Omanis to be eligible to apply for a personal loan is OMR 300 per month.​​​​​*

​* Terms and conditions apply




Himayati Life Insurance

Himayati Life Insurance

Safety and security are a priority when you have a family and dependants, but traditional insurance schemes require extensive paperwork and tests before your policy is approved. That’s why, at National Bank of Oman

Savings Account

Savings Account

​​From helping you to track your daily expenses and transactions, to giving you the flexibility to reach your savings goals at your own pace, our Savings Account is designed to meet your needs and help you manage and assess your finances.​​​