Commercial Bank CBclick review

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

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Our verdict

Commercial Bank CBclick suits salaried residents of Qatar who can transfer salary to the bank and want a large personal loan rather than a small one. Borrowing runs QAR 400,000 to QAR 2,000,000 over 48 to 72, early repayment is free, and the origination fee is 0 QAR.

Key facts

Best for
Salaried borrowers in Qatar after a large personal loan with free early repayment.
Loan amount
QAR 400,000 to QAR 2,000,000 (Source, checked September 26, 2026)
Term
48 to 72 months (Source, checked September 26, 2026)
Arrangement fee
0 QAR (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Qataris and expats in Qatar with a salary transfer; QID, valid passport for expats and a salary transfer letter required (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Legal entity
The Commercial Bank (P.S.Q.C) (Source, checked September 26, 2026)
Headquarters
Qatar (Source, checked September 26, 2026)
Founded
1974 (Source, checked September 26, 2026)
Support channels
Phone (Source, checked September 26, 2026)
Official website
cbq.qa

Mortgages

Initial rate
3.45% (Source, checked September 26, 2026)
Maximum loan to value
80% (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer, Buy-to-let, Equity-release (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
The Commercial Bank (P.S.Q.C) (Source, checked September 26, 2026)
Headquarters
Qatar (Source, checked September 26, 2026)
Founded
1974 (Source, checked September 26, 2026)
Support channels
Phone (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInXcbq.com.qa

Pros and cons

Pros

  • Loan sizes of QAR 400,000 to QAR 2,000,000 are substantial, with repayment terms of 48 to 72.
  • Early repayment is free, so clearing the balance sooner adds no charge.
  • The origination fee on a new personal loan is 0 QAR.
  • It lends as a direct lender, so applications go to the bank rather than through a broker.

Cons

  • Support runs on phone only, so there is no listed chat or email route.
  • The lending is personal only, so there is no credit line or debt consolidation product here.
  • Every applicant needs a salary transfer, a QID and, for expats, a valid passport, which narrows who can qualify.
Commercial Bank CBclick

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Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Borrowers after a large one-off sum repaid over a long term rather than a small top-up.
  • Homebuyers, movers and first-time buyers, since its mortgage book covers purchase, remortgage and first time buyer with a maximum loan to value of 80%.

Who should look elsewhere

  • Monzo Flex, if you want sterling borrowing of £10,000 to £35,000 rather than a salary-transfer loan in Qatar.
  • Cashspace, if the sum you need sits near PHP 500 to PHP 25,000 instead of the QAR 400,000 to QAR 2,000,000 range here.
  • Cashspace ES, if a euro loan of €100 to €5,000 is the better fit for you.

The company behind it

The lending comes from The Commercial Bank (P.S.Q.C), a bank based in Qatar and founded in 1974. It deals with borrowers directly rather than through a broker, so questions go to the lender itself. Help runs on phone, so anyone wanting a chat or email route will have to ring. Check the legal entity named on your agreement against the one listed here.

How Commercial Bank CBclick compares

Where Commercial Bank CBclick is available

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

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

Frequently asked questions

What does a Commercial Bank CBclick personal loan cost?+

The origination fee on a new personal loan is 0 QAR, so the setup charge is the main published fee. Mortgage campaigns are marketed at an initial rate of 3.45%. Because early repayment is free, settling the balance ahead of schedule does not add a charge either.

How much can I borrow and over what term?+

Personal loans run QAR 400,000 to QAR 2,000,000 and are repaid over 48 to 72, a long term on a single lump sum. The lower end sits well above the €114.37 recorded for personal loans across the site, so this targets larger sums than a typical personal loan.

Who can apply for a Commercial Bank CBclick loan?+

Applicants must be Qatari or expat residents in Qatar with a salary transfer to the bank. You need a QID, a valid passport for expats, and a salary transfer letter from your employer. That confines the product to people already earning in Qatar.

Is Commercial Bank CBclick regulated?+

It is licensed by the Central Bank of Qatar, and the entity behind the brand is The Commercial Bank (P.S.Q.C), based in Qatar and founded in 1974. The licence is a Qatari one, which matters if you are weighing it against lenders operating in other markets.

Can I repay the loan early without a charge?+

Yes. Free early repayment applies to the personal loan against salary transfer, so clearing the balance before the end of 48 to 72 does not attract a fee. If a bonus or a rise in income is likely, you can plan to pay the loan off sooner without extra cost.

Does Commercial Bank CBclick offer mortgages as well?+

It does. The mortgage book covers purchase, remortgage and first time buyer, with a maximum loan to value of 80% and campaign initial rates of 3.45%. Buying, switching lender, first-time purchases, buy-to-let and equity release all sit within the same product, so a move and a remortgage can be compared side by side.

How do I get hold of Commercial Bank CBclick?+

Support runs on phone, so a phone call is the route. As a direct lender there is no broker in the middle, which means the conversation stays with the lender. Have your QID, salary transfer letter and the amount you want to borrow ready before you ring.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

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

Commercial Bank CBclick

Commercial Bank CBclick

Salaried borrowers in Qatar after a large personal loan with free early repayment.

9.2/10See alternatives

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