CAC Bank review

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

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Our verdict

CAC Bank lends directly to its own account holders at a fixed rate, with a 24 month term and free early repayment. It suits salaried staff in Yemen who hold a current account at the bank and can supply colleague guarantees from their workplace.

Key facts

Best for
Salaried staff in Yemen who bank with CAC Bank and can supply colleague guarantees.
Loan amount
from YER 100,000 (Source, checked September 26, 2026)
Term
24 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Current account with the bank, valid electronic card ID or passport, at least one year with the current employer, banking or lending agreement with the employer, guarantee of two colleagues from the same workplace, employer approval letter, salary statement copy (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Guarantor (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Cooperative and Agricultural Credit Bank (Source, checked September 26, 2026)
Headquarters
Yemen (Source, checked September 26, 2026)
Founded
1982 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
cacbank.com.ye

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
LinkedInX

Pros and cons

Pros

  • Fixed rate lending, so repayments hold steady across the term
  • Free early repayment on the personal loan
  • A hard credit check with a good credit requirement, so weaker files are filtered early
  • Support runs on phone, email and help centre through the bank

Cons

  • Eligibility needs a current account at the bank, an employer approval letter and colleague guarantees from the same workplace
  • Borrowing starts at from YER 100,000 with no stated ceiling
  • The 24 month term ranks 146 of 232 brands on term
CAC Bank

Ready to try CAC Bank?

Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Salaried staff with a current account at the bank and colleague guarantees from their workplace
  • Borrowers consolidating other debts into one fixed rate loan
  • Home improvement borrowers, since the listed use is home improvement

Who should look elsewhere

  • Cashspace, with amounts of PHP 500 to PHP 25,000, and Cashspace ES, with amounts of €100 to €5,000, suit readers weighing a different market and currency
  • Monzo Flex, with amounts of £10,000 to £35,000, suits applicants looking at a lender outside Yemen
  • Borrowers wanting a long repayment period, since the term is 24 against a site median of 36

How CAC Bank compares

Where CAC Bank is available

Available
Yemen

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

Frequently asked questions

How much can I borrow from CAC Bank?+

The stated minimum is from YER 100,000 in Yemeni rial. No maximum is listed, so the ceiling sits with the bank and depends on the paperwork. Support runs on phone, email and help centre if you want to check what you qualify for. Compare it with the site median of €876.96.

What rate do I pay on a CAC Bank loan?+

The personal loan runs on a fixed rate under a fixed rate structure, so the rate holds through the term instead of moving with the market. Listed types are personal, debt consolidation and guarantor, and the lender type is direct lender, so you deal with the bank itself.

How long is the repayment term?+

The listed term is 24 months, which is short next to a site median of 36 months. On term, CAC Bank sits 146 of 232 brands, so it is a shorter commitment than most of the field.

What credit check does CAC Bank run?+

Applications carry a hard credit check and the stated requirement is good credit. Hard checks of this kind sit with 72.7% of the lenders on the site, so a strong file matters well before the application is sent.

Can I repay the loan early?+

Early repayment is free on the personal loan, and free exit matches 81.2% of the lenders on the site. Clearing the balance earlier cuts the total interest due and shortens the 24 month commitment. A direct lender deal keeps the same conversation with the bank throughout.

What can I use the loan for?+

The listed use is home improvement, and the loan types are personal, debt consolidation and guarantor. Debt consolidation is included, so existing balances can be folded into a single fixed repayment instead of several. The bank is a direct lender, so the application goes to the bank rather than a broker.

Who is behind CAC Bank and where is it based?+

The legal entity behind the loans is the Cooperative and Agricultural Credit Bank, headquartered in Yemen and founded in 1982. Support runs on phone, email and help centre, so account and loan questions are handled by the bank itself rather than an intermediary.

Sources

  • cacbank.com.ye/ar-YE/Contents/SubPage/Personal-Loans checked September 26, 2026

    Backs: Loan amount, Credit check, Credit needed

  • cacbank.com.ye/en-Us/Contact checked September 26, 2026

    Backs: Headquarters, Support channels

    “CAC Bank Building - Al Zubairi St. Yemen - Sanaa”

  • cacbank.com.ye/en-Us/Contents/Page/History-of-CAC-Bank checked September 26, 2026

    Backs: Founded, Legal entity

    “Cooperative & Agricultural Credit Bank (CAC Bank) was established in 1982 as a result of the merger of the Cooperative, Agricultural Credit Bank that was established in 1975 and the Bank of National...”

  • cacbank.com.ye/en-Us/Contents/SubPage/Personal-Loans checked September 26, 2026

    Backs: Eligibility, Free early repayment, Lender type, Loan types, Pricing model, Rate type, Term, Use cases

    “The applicant should have a current account with the bank... the customer has already spent at least one year at the current employer. Guarantee of two colleagues from the same work place”

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

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

CAC Bank

CAC Bank

Salaried staff in Yemen who bank with CAC Bank and can supply colleague guarantees.

9.3/10See alternatives

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