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Warba Bank review

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

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Our verdict

Warba Bank lends directly in Kuwait, and its cost numbers are the draw. Personal finance runs at an APR of 6.9% and housing finance at an APRC of 7.475%, both under the site medians of 15.5% and 4.91%. It suits salaried residents in Kuwait, with terms set by the bank rather than by a broker.

Key facts

Best for
Salaried residents of Kuwait buying a home or taking a personal, car or guarantor loan.
APR
6.9%↗
Loan amount
KWD 1,000 to KWD 25,000↗
Term
6 to 180 months↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
At least 18 years old; under 21 a guarantor or legal guardian signature required. Kuwaitis 18-70 (government/semi-government and Warba-approved companies) or 21-70 (unlisted companies); non-Kuwaitis 21-60. Minimum salary KD 300 for Kuwaitis; non-Kuwaiti residents KD 400-650 depending on employer. Civil ID must not be expired and KYC complete.↗
Loan types
Personal, Car, Guarantor↗
Legal entity
Warba Bank↗
Headquarters
Kuwait↗
Founded
2010↗
Support channels
Phone, Help-centre↗
Pricing model
Fixed rate
Official website
warbabank.com

Mortgages

APRC
7.475%↗
Fixed period
0.5 to 15 years↗
Maximum loan to value
100%↗
Purpose
Purchase↗

Facts checked September 26, 2026, 4 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedInXfacebook.com

Pros and cons

Pros

  • Consumer lending is direct from the bank, with an APR of 6.9% on amounts of KWD 1,000 to KWD 25,000 and terms of 6 to 180
  • Fixed-rate consumer finance, so the monthly figure holds for the life of the loan
  • Housing finance for purchase carries an APRC of 7.475% with fixed periods of 0.5 to 15 and lending of up to 100% loan to value
  • Lending covers personal, car and guarantor loans, all through one direct lender

Cons

  • Support runs on phone and help centre, so help is by phone or the help centre only
  • Remortgage and buy-to-let are not among its stated housing purposes, which list purchase alone
  • Consumer terms of 6 to 180 stretch further than the site median of 36, which can keep repayments running longer
Warba Bank

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Kuwaiti salaried borrowers whose employer is in the government, semi-government sector or a Warba-approved company
  • Non-Kuwaiti residents in Kuwait meeting the salary floor set by their employer
  • Adults taking a personal, car or guarantor loan, with a guarantor or legal guardian signature below the bank's minimum age

Who should look elsewhere

  • Borrowers wanting remortgage or buy-to-let housing finance, since the stated purpose is purchase
  • Anyone who needs email or chat support, as phone and help centre lists phone and a help centre only
  • People outside Kuwait, since the bank is headquartered in Kuwait and lends there

How Warba Bank compares

Where Warba Bank is available

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

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

Frequently asked questions

What rate does Warba Bank charge on a personal loan?+

Consumer finance is priced at an APR of 6.9%, and the rate type is fixed, so the figure holds for the life of the loan. Borrowing runs from KWD 1,000 to KWD 25,000 over terms of 6 to 180. The site's median APR across lenders is 15.5%.

How much can I borrow for a home?+

Housing finance for purchase carries an APRC of 7.475%, with fixed periods of 0.5 to 15 available. Lending goes up to 100% of the property's value, against a site median of 90%. It is a direct arrangement with the bank.

Who regulates Warba Bank?+

The bank is headquartered in Kuwait and was founded in 2010, and it is regulated by the Central Bank of Kuwait. It is a direct lender, so you deal with the bank itself rather than a broker for consumer and housing finance.

What kinds of loan does Warba Bank offer?+

The consumer range covers personal, car and guarantor, on a fixed rate. Housing finance is offered for purchase at a maximum 100% loan to value. Consumer finance also includes a guarantor route, which needs a guarantor or legal guardian signature for younger applicants.

Who can apply for a loan?+

You must be an adult, with a civil ID that has not expired and complete KYC. Kuwaitis are accepted across employer types, while non-Kuwaiti residents are accepted within a narrower age band and a salary floor that depends on the employer.

How long are the terms?+

Consumer loans run over terms of 6 to 180, set at a fixed rate. Housing finance uses fixed periods of 0.5 to 15. The site median for consumer terms is 36, so check the length before signing, since a longer term means more months of repayment.

How do I get help?+

Support runs on phone and help centre, so you reach the bank by phone or through its help centre. There is no stated email or chat route. For an application, the bank also needs a valid civil ID and completed KYC on file.

How does Warba Bank compare on cost?+

Consumer APR of 6.9% and housing APRC of 7.475% both sit below the site medians of 15.5% and 4.91%. The site's median personal loan amount is €526.18, while the KWD 1,000 to KWD 25,000 range here is set for the Kuwaiti market.

Sources

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Funding time, Representative example.

Warba Bank

Warba Bank

Salaried residents of Kuwait buying a home or taking a personal, car or guarantor loan.

9.1/10See alternatives