Personal Loan

We all have unique passions and dreams. Our Personal Loan is designed to help you achieve them. We'll assist you with the finances, so you can focus on everything else.

Features and Benefits

Loan purpose

The BNF personal loan is designed to help you achieve your passions and dreams. With it, you can finance any personal requirements such as a new car or bike, furniture for your home and garden, your wedding, overseas travels and a wide range of energy saving products such as photovoltaic systems, solar heaters, double or triple glazing and energy efficient appliances. 

Loan amount

You can finance any of these personal projects by borrowing up to 100%1 of the amount2 required.

Term of loan

You will also benefit from lower monthly repayments by spreading the loan over a period1 of up to 10 years.

Interest rates

A variable interest rate of 4.85% p.a. (BBR3 + 2.35% p.a.) resulting in an APRC of 5.09% will be applicable for an unsecured personal loan.

A variable interest rate of 3.99% p.a. (BBR3 + 1.49% p.a.) resulting in an APRC 4.18% will be applicable for a secured personal loan.

Come talk to us

If you're interested in getting a Personal Loan, visit us at your preferred BNF Bank branch. Don't forget to bring:

  • Your ID Card
  • Evidence of income:
    • Last year's FS3 and the last 3 months' payslips OR
    • If you're self-employed, the last 3 years' Income Tax Return, including the Profit and Loss Account
  • Bank statements of all your accounts held with other banks
  • Evidence of the product or service you want to buy, such as a pro-forma invoice.

We're ready to listen.

An unsecured personal loan representative example consists of a loan of €20,000 repayable over 7 years with a variable interest rate of 4.85% p.a. The loan will be repayable in 84 monthly instalments of €281.90, totalling €23,719.79 in addition to a €40 processing fee. The applicable Annual Percentage Rate of Charge (APRC) is 5.09%.

A secured personal loan representative example consists of a loan of €20,000 repayable over 7 years with a variable interest rate of 3.99% p.a. The loan will be repayable in 84 monthly instalments of €273.79, totalling €23,038.73 in addition to a €40 processing fee. The applicable Annual Percentage Rate of Charge (APRC) is 4.18%.

Terms and conditions apply. The offer does not apply in conjuction with any other offer on the same product and in such a case, you will benefit from the better of the two offers. The loan is subject to the Bank's lending criteria. The Bank reserves the right to amend or withdraw these loan product from the market at any time, at its sole and absolute discretion and without any prior notice. BNF Bank plc is a credit institution licensed to undertake the business of banking by the MFSA in terms of the Banking Act 1994. Registered in Malta C41030 – 203, Level 2, Rue D'Argens, Gzira, GZR 1368, Malta.

 

1 Both the Loan To Value (LTV) percentage, that is the proportion of the project financed by the personal loan and the term of loan depend on the loan purpose and are subject to meeting a set of criteria. 

2 The maximum loan amount depends on financial affordability and loan purpose. 

3 BBR stands for Bank Base Rate, which is currently set at 2.50% p.a.

Brochure

Go for great

Set an appointment today at your preferred BNF branch to apply for your Personal Loan. A BNF Bank representative will reach out to make the necessary arrangements.


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BNF Bank plc is a credit institution licensed by the MFSA to undertake
the business of banking in terms of the Banking Act 1994.