Household Needs Loan

Improve your standard of living

Pay for education or medical expenses with our loan solution which suits your requirements and your family needs.

Transform Your Life

Invest in your future your way: whether it’s education, medical expenses, a new car, or creation of lasting memories.

  • Hassle-Free process: Smoothly secure your loan with our simplified application process to get what you need faster.

  • Competitive interest rate: Experience the advantage of affordable rates, paving the way for quicker repayment.

  • Trust-Based financing: Your dreams, our assurance: we only ask for a trusted guarantor, no assets are required to support your path to success.

Invest in your children’s education

We understand that your aspirations are unique. Our personalized guidance and flexible offerings ensure you reach your goals on your terms.

  • Flexible loan term: Customize your loan payments to match your financial goals with flexible terms of up to 36 months.

  • Extended Flexibility: With a 60-days grace period, our loan gives you the freedom to start repaying at your pace.

  • Minimum documents required: Save time by providing just your national ID, proof of income for employees, and family registration book, eliminating the need for any additional documents.

  • Easy process: Submit your loan request through our online application, call +962799000466 or visit the nearest branch.

Currency: JD
Household Needs Loan (Group)
Loan Amount: From 300 to 1,500 JD
Loan Term: Up to 36 months
Nominal Interest Rate: From 41 % – 45 %  Annual Declining

* Note : Interest rate varies depending on the client’s credit history and commitment with monthly installments with FINCA Jordan. Eligibility for better rate will be validated with each renewal and based on the monthly installment commitment.

Household Needs Loan (Individual)
Loan Amount: From 300 to 2,000 JD
Loan Term: Up to 36 months
Nominal Interest Rate: From 41 % – 45 % Annual Declining

* Note: Interest rate varies depending on the client’s credit history and commitment with monthly installments with FINCA Jordan. Eligibility for better rate will be validated with each renewal and based on the monthly installment commitment.

• Commission for granting credit:
– Less than 1,000 JD, 1% of the loan (deducted from the total loan amount).
-1,000 – 2,000 JD, 1% + 10 JOD of the loan (deducted from the total loan amount).

• Stamp fee and sales tax will also be deducted as per respective calculations.
• Import stamps + Life Insurance
• Sales tax of 3%

To Know how calculate life insurance fees please click to the Life Insurance Calculation Box.
Sales tax on interest , fees and charges:
Interest, fees and all charges are subject to the 3% general sales tax . Also the disbursed loan amount is subject to the duty stamps law.
Repayment Frequency: Monthly
Required Documents:

Copy of the national ID / Personal proof document
Copy of family registration book (If exist).
Proof of income.
Guarantor with a fixed income (For Household Needs Loan Individual)

Effective Interest Rate (EIR):
Household needs (Individual): From 52.84 % – 63.41 %
Household needs (Group): From 52.84 % – 63.41 %
It’s depending on loan duration and amount.

Note: Please note that our financial products and services are suitable with special needs people.
Note: Non-Jordanians can now apply for any of our financial products.

Life insurance calculation

Calculate

Loan Application Process

Streamlined application processes, quick approval times, and responsive customer service ensure a seamless borrowing experience.

  • 1

    Online application: Fill your easy loan application form below, our team will contact you to verify identification and learn more about your needs.

  • 2

    Sign CRIF consent: After receiving a call from our pre-sales team, you’ll be invited to the nearest branch to sign CRIF consent. This consent will give FINCA the authority to see your credit history with other banks and MFIs to know more about CRIF please visit: Home Page – CRIF Jordan.

  • 3

    Document verification: Receive a call from our sales team and send all needed documents through WhatsApp to get your initial approval.

  • 4

    Business visit: After reviewing your documents and credit history, FINCA employee will visit you at your business and discuss with you the final details.

  • 5

    Loan Approval and contract signing: We will call you to agree on the contract signing time and after the contract is singed, you’ll be able to receive the credit amount.

Loan Form

Applying for a loan with us is a straightforward and convenient process


Learn more about FINCA Jordan loan products and interest rates.

Frequently Asked Questions

The guarantor can be an employee or licensed business owner, or the owner of public transportation vehicle.

Maximum loan amount for individuals is up to 2,000 JOD, for Group lending – up to 1,500 JOD per member.

Repayment schedule will be part of your contract, usually it is monthly.

We are always happy to talk!

Request a callback.