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Ahli Microfinance review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Ahli Microfinance, listed as a direct lender, serves Jordanian adults and citizens of the Gaza Strip, and suits people who want a personal loan for home improvement. Costs are the trade-off: 26.4% to 44.815% on JOD 300 to JOD 3,000 borrowed over 6 to 26 is expensive.

Key facts

Best for
Small personal loans in Jordan for home improvement, taken straight from the lender.
APR
26.4% to 44.815%↗
Loan amount
JOD 300 to JOD 3,000↗
Term
6 to 26 months↗
Arrangement fee
1% of credit limit, plus 10 JODs (1,000-10,000 JODs) or 20 JODs (over 10,000 JODs)↗
Representative example
Sanadak Loan: 800 JOD over 12 months at 44.815% declining (26.4% fixed) annual interest; total interest 211 JODs; EIR 63.39%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Age 18 minimum, max 70 at end of loan term; Jordanian nationals and Gaza Strip citizens↗
Origination fee (%)
1%↗
Loan types
Personal, Business, Student, Guarantor↗
Use cases
Home-improvement↗
Legal entity
Ahli Microfinance Company↗
Headquarters
Jordan↗
Founded
1999↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Official website
amc.com.jo

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedIn

Pros and cons

Pros

  • The rate is fixed, so repayments do not shift with market rates.
  • A single lender covers personal, business and student loans, so personal and business borrowers can stay with one name.
  • Repayment terms of 6 to 26 keep the balance clearable.
  • Help is available on phone, email and help centre, so questions do not need an appointment.

Cons

  • The representative example shows an effective rate well above the 26.4% to 44.815% fixed rate once declining-balance interest is counted.
  • Set-up costs: an arrangement fee of 1% of the credit limit plus a fixed charge lands before a single repayment.
  • Borrowing is capped at JOD 300 to JOD 3,000 with 6 to 26 to repay, so it does not stretch to large expenses.

Ready to try Ahli Microfinance?

Scored 9.1 / 10 by SumCue.

See alternatives

Who it suits

  • Adults living in Jordan who are Jordanian nationals or citizens of the Gaza Strip and sit inside a minimum and maximum age range.
  • Anyone with a home improvement project, the stated use of home improvement lending.
  • People who prefer dealing with the lender itself: direct lender, with no broker in between.

Who should look elsewhere

  • Borrowers chasing the lowest cost, since 26.4% to 44.815% runs well above Sofkredit at 10.74% to 18.06%.
  • Anyone needing more than JOD 300 to JOD 3,000, where Creduma ES starts at from €12,000.
  • Readers comparing across markets: Cashspace is quoted at PHP 12 to PHP 36, so its figures do not line up with the 26.4% to 44.815% here.

Deposit protection

Ahli Microfinance is a direct lender, so it lends to you rather than holding your money. Its Sanadak example shows interest charged on a declining balance alongside a lower fixed rate, which pushes the effective cost above the 26.4% to 44.815% figure. Nothing here behaves like a savings deposit, so treat the balance as a debt, not stored money.

The company behind it

The legal entity behind these loans is Ahli Microfinance Company, headquartered in Jordan and founded in 1999. It lends in its own name rather than through a broker. Support runs on phone, email and help centre, so you can pick a phone call, an email or the help centre, whichever suits you.

How Ahli Microfinance compares

Where Ahli Microfinance is available

Available
Jordan
Licence in Jordan
Central Bank of Jordan, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate will I pay on an Ahli Microfinance personal loan?+

Personal loans are priced at 26.4% to 44.815%, and the rate type is fixed. The example the lender publishes shows interest charged on a declining balance, so the amount you actually repay can exceed the fixed rate you are quoted. Read that example before you sign anything.

How much can I borrow, and how long do I have to repay?+

Sanadak personal loans run JOD 300 to JOD 3,000 over 6 to 26. The smaller end suits a single repair, while longer terms spread the cost but leave the balance outstanding for more of the schedule. Anything bigger needs a different lender.

Are there fees on top of the interest?+

There is an arrangement fee of 1% of the credit limit plus a fixed charge, and that fixed part changes with the size of the balance. Budget for both when you set this loan against a rate that looks lower on paper.

Who can apply for a loan with Ahli Microfinance?+

Applicants must be adults inside a minimum age and a maximum age that applies at the end of the loan term, and the lender accepts Jordanian nationals and citizens of the Gaza Strip. Ahli Microfinance is a direct lender, so the company that assesses you is the one that issues the personal, business and student loan.

Is Ahli Microfinance regulated?+

The Central Bank of Jordan supervises Ahli Microfinance Company, the Ahli Microfinance Company behind these loans, which is headquartered in Jordan and was founded in 1999. Check the regulator's register for the current status before you apply.

How do I get help from Ahli Microfinance?+

Support runs on phone, email and help centre, so you can call, email or use the help centre. A help centre gives written answers on eligibility and fees, while a phone call suits a question about one specific application or repayment date.

What does the representative example show?+

The Sanadak example lends a stated amount over a stated term while charging interest on a declining balance, which leaves the effective rate above the fixed rate. Monthly payments stay predictable under fixed rate pricing, so the schedule is steady even though the effective cost runs above the headline.

Sources

  • amc.com.jo/en checked September 26, 2026

    Backs: Headquarters, Loan types

    “King Abdullah II St., Amman, Jandaweel, building #449”

  • amc.com.jo/en/cbj-instructions checked September 26, 2026

    Backs: Licences

  • amc.com.jo/en/faq checked September 26, 2026

    Backs: Eligibility, Lender type, Support channels

    “The borrower should not be less than 18 years old and 70 years old by the end of the loan term”

  • amc.com.jo/en/overview checked September 26, 2026

    Backs: Founded, Legal entity

    “ahli Microfinance Company (AMC) was established in 1999”

  • amc.com.jo/en/product/individual/sanadak checked September 26, 2026

    Backs: Loan amount, APR, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term, Use cases

    “Loan amount (JOD): From 300-3000”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Funding time.

Ahli Microfinance

Small personal loans in Jordan for home improvement, taken straight from the lender.

9.1/10See alternatives