Arab Islamic Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Arab Islamic Bank is a direct lender based in Palestine, offering fixed-rate loans at 4.5% to 9% over terms of 84. It suits salaried borrowers who can commit their salary and supply proof of occupation, and the rate sits below the 13.75% typical of the group.
Key facts
Loans
- APR
- 4.5% to 9%↗
- Loan amount
- $80,000↗
- Lender type
- Direct lender↗
- Eligibility
- Personal ID, 6-month bank statement, proof of occupation (salary slip or municipal council certificate), salary transfer commitment or suitable guarantee; salary deduction must not exceed 50%↗
- Loan types
- Personal, Car, Student, Business, Secured↗
Facts checked September 26, 2026, 5 sources
Pros and cons
Pros
- Fixed-rate borrowing at 4.5% to 9%, under the 13.75% typical of the group
- Repayment terms of 84, longer than the 36 median in the group
- A direct lender, so you deal with the bank rather than a broker (direct lender)
- Personal, car, student, business and secured lending sit with one bank (personal, car and student)
Cons
- Support runs on phone only, so questions are answered by phone
- Approval leans on employment paperwork and a salary transfer commitment, with salary deduction limited to a set share of income
- Borrowing is limited to a single market, with the bank based in Palestine
Who it suits
- Salaried employees who can commit to a salary transfer and accept the deduction limit
- Borrowers who want one fixed rate held across 84 rather than a variable deal
- People needing finance for a car, studies, a business or a secured purpose as well as personal borrowing
Who should look elsewhere
- Anyone without a salary slip or municipal council certificate to prove occupation
- Self-employed applicants with no salary to transfer or guarantee to offer
- Borrowers who want a variable rate that moves with the market
The company behind it
Arab Islamic Bank is the legal entity behind these loans, headquartered in Palestine and founded in 1995. It is a direct lender, so applications and decisions sit with the bank rather than a broker. Help runs on phone, making a call the main route to answers about rates, terms and the paperwork needed.
How Arab Islamic Bank compares
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9.2 vs 9.0
9.2 vs 9.0
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9.2 vs 9.3
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9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.5
9.2 vs 8.4- 9.2 vs 8.0
9.2 vs 9.0
Where Arab Islamic Bank is available
- Available
- Palestine
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate would I pay on a personal loan?+
The rate is fixed and runs at 4.5% to 9%, which sits below the 13.75% median for lenders in this comparison. Because the rate type is fixed, the cost of borrowing is set when the loan starts and does not move afterwards (fixed).
How long can I borrow for?+
Repayment terms run to 84, longer than the 36 median across the group. A longer term spreads the monthly amount, though the overall cost of credit rises as the schedule stretches, so check the monthly figure against your other commitments.
How much can I borrow?+
Loans go up to $80,000, with personal, car, student, business and secured lending offered (personal, car and student). The amount granted depends on your salary and the salary deduction the bank is willing to accept.
What do I need to apply?+
Alongside the paperwork, the bank lends up to $80,000 over terms of 84. You need a personal ID, a bank statement, proof of occupation such as a salary slip or municipal council certificate, and either a salary transfer commitment or a suitable guarantee.
What kinds of loans can I take?+
The fund covers personal, car, student, business and secured lending (personal, car and student). Vehicle finance, study costs and business purchases sit alongside general personal borrowing, so one bank can cover more than a single need.
How do I reach the bank?+
Support runs on phone, so a phone call is the listed way to reach the team. Email, chat and community channels are not among the published options, which is worth knowing before you start an application.
Do I deal with the bank or a broker?+
Arab Islamic Bank is a direct lender (direct lender), so the application and the decision sit with the bank itself rather than a middleman. That keeps the rate, the term and the repayment arrangements in one place from first enquiry to final payment.
Sources
- aib.ps/content/about-bank checked September 26, 2026
Backs: Founded, Legal entity
“Arab Islamic Bank was founded in 1995 and commenced its banking activity in early 1996”
- aib.ps/content/fund checked September 26, 2026
Backs: Loan types
“Goods financing, car financing, education financing, manufacturing (istisna) financing, gold-collateral financing”
- aib.ps/content/individual-services/15.html checked September 26, 2026
Backs: APR, Pricing model, Rate type
“Return rates on financing: fixed murabaha rate 4.5% ... declining murabaha rate 9%”
- aib.ps/content/individual-services/25.html checked September 26, 2026
Backs: Loan amount, Eligibility, Lender type, Term
“Goods financing: financing reaching up to 80,000 dollars”
- aib.ps/en checked September 26, 2026
Backs: Headquarters, Support channels
“All copyrights reserved to the Arab Islamic Bank © 2026 - From Inside Palestine 1700222000 - member of the Palestinian Deposit Insurance Corporation”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Headline rate, Minimum deposit, Deposit protection.
Related by the facts
Arab Islamic Bank
Salaried borrowers who want a fixed-rate personal loan repaid through their salary.