Personal Loans

Borrow one lump sum and pay it back with simple monthly payments.


With GKBANK’s unsecured personal loans, you don’t need to use a collateral such as your home or other assets to borrow money. You can take advantage of our personal loans for a number of general purposes such as refinance and debt consolidation, home improvements, covering the cost of emergency expenses. You can repay your loan early with no additional cost.

In order to apply to a personal loan, you must first have a current account, which will be set as your primary account from which the payments will be collected from. You will have to keep the sufficient balance in your current account on the due day of your loan.

Process & Key Features

  • Interest rates are unique to customers and will be determined at the end of your application based on the score calculated as a result of your risk profile assessment.
  • Before you apply for a loan, you can analyze different repayment options and calculate sample payment plans from the secure client area: Personal loans section.
  • Personal loans are currently available in three main currencies: USD, EUR and GBP.
  • You may be asked a list of questions and documents during your application.
  • Loan acceptance is subject to T&Cs and eligibility criteria. It may take up to 4 days before your loan application is processed.
  • When your loan is approved, funds will be deposited to your current account with us.
  • You can have a single personal loan at a time.
  • Early repayment is accepted with no additional cost. You will only be charged the interest till the repayment date, calculated from your remaining principal balance.
  • Missing your loan payments may incur additional costs such as late payment fees. Interest rate will continue to apply on your outstanding principal balance. For more information, please refer to the Fees Schedule at the bottom of this page.
  • You can view your loan balance and list of all transactions from the secure client area.
  • You can create a ticket to raise a question for payment or transfer disputes.


Account Setup Fee ✖
Administration Fee ✖
Account Management Charges ✖
Relationship Manager Fee ✖
Interest Rate 0.5% to 2% per month, defined after a risk assessment.
Late Penalty Fee
Early Repayment Fee ✖