Instant Finance
QIB Instant Finance offers 100% deposit-based financing with swift approval - no paperwork, no waiting!
Instant finance
Instant Finance details
No waiting time: Get your Personal Finance approved instantly - no delays, no long processing times.
Instant disbursement: Once approved, QIB will credit the money to your account within minutes - no follow-ups needed.
All-digital journey: From applying to signing and receiving funds, you can do everything through the QIB Mobile App.
Salary-based access: If your salary is credited to your QIB Account, you’re eligible for Instant Finance. The application process will be even quicker in that respect.
Deposit advantage: Fixed or Certificate of Deposit holders can get up to 100% financing against their deposit.
Amount selection: Select how much financing you need based on your eligibility.
Tenor choice: Pick the repayment period that suits your financial plan.
Confirm your details: Review and verify all the information before proceeding.
Digital signing: Digitally sign the documents directly within the QIB Mobile App.
Instant approval: Your application is approved instantly without delays. You will also get the funds transferred to your account within minutes after approval.
Apply for Instant Finance in 4 easy steps
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Step 1
Login securely
Step 1
Download the QIB Mobile App from the App store/Play store and login to it by using your credentials.
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Step 2
Select and customize
Step 2
Choose your desired finance amount and repayment period based on your needs and eligibility shown within the app.
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Step 3
Review and sign
Step 3
Check all finance details carefully, then e-sign the documents digitally - no paperwork or branch visit required for this step.
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Step 4
Receive your funds
Step 4
Once approved, QIB credits the finance amount directly to your account within minutes.
Frequently asked questions
Instant Finance is a fully digital personal financing service offered by QIB through its Mobile App. It allows eligible customers to apply for and receive financing quickly, without paperwork or branch visits.
You can apply if your salary is credited to a QIB account or if you hold a Fixed Deposit or Certificate of Deposit with QIB.
Log in to the QIB Mobile App, choose your amount and tenor, confirm details, e-sign, and receive instant approval.
Once approved, QIB credits the finance amount to your account within minutes.
Yes. QIB’s Instant Finance follows Islamic banking principles and is approved by its Shari’a Supervisory Board.
Yes. If you already have financing with QIB, you may be eligible for a top-up through the QIB Mobile App.
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