Warba Bank review

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

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Our verdict

Warba Bank is a Kuwaiti direct lender worth a look if you want fixed-rate personal, car or guarantor finance at a low cost. Its 6.9% on personal and car loans sits well below the site median of 12%, and the bank lends directly, with no broker in between.

Key facts

Best for
Borrowers in Kuwait who want direct, fixed-rate personal, car or guarantor finance plus a purchase mortgage.
APR
6.9% (Source, checked September 26, 2026)
Loan amount
KWD 1,000 to KWD 25,000 (Source, checked September 26, 2026)
Term
6 to 180 months (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
At least 18 years old; under 21 a guarantor or legal guardian signature required. Kuwaitis 18-70 (government/semi-government and Warba-approved companies) or 21-70 (unlisted companies); non-Kuwaitis 21-60. Minimum salary KD 300 for Kuwaitis; non-Kuwaiti residents KD 400-650 depending on employer. Civil ID must not be expired and KYC complete. (Source, checked September 26, 2026)
Loan types
Personal, Car, Guarantor (Source, checked September 26, 2026)
Legal entity
Warba Bank (Source, checked September 26, 2026)
Headquarters
Kuwait (Source, checked September 26, 2026)
Founded
2010 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
warbabank.com

Mortgages

APRC
7.475% (Source, checked September 26, 2026)
Fixed period
0.5 to 15 years (Source, checked September 26, 2026)
Maximum loan to value
100% (Source, checked September 26, 2026)
Purpose
Purchase (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Warba Bank (Source, checked September 26, 2026)
Headquarters
Kuwait (Source, checked September 26, 2026)
Founded
2010 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataLinkedInXfacebook.com

Pros and cons

Pros

  • Direct lender, so the terms come from the bank itself: direct lender
  • Fixed-rate pricing on personal and car finance at 6.9%
  • Personal and car borrowing of KWD 1,000 to KWD 25,000 over terms of 6 to 180
  • Housing finance for purchase at an APRC of 7.475%, fixed for 0.5 to 15

Cons

  • Support runs on phone and help centre only, with no live chat or email listed
  • Borrowing is capped at KWD 1,000 to KWD 25,000, so larger purchases need another lender
  • Housing finance is for purchase rather than purchase beyond that
Warba Bank

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Kuwaiti and non-Kuwaiti residents in Kuwait with a steady salary and complete identity documents
  • Borrowers who want a fixed rate and a direct lender rather than a broker
  • Homebuyers looking at purchase mortgages up to 100% loan to value

Who should look elsewhere

  • Borrowers wanting a revolving credit line, since personal, car and guarantor covers personal, car and guarantor lending only
  • Anyone needing loan sizes above KWD 1,000 to KWD 25,000
  • Readers outside Kuwait, as KW places the bank in the Kuwaiti market

How your money is protected

Warba Bank lends as a direct lender from its home market of KW, and it is supervised by the Central Bank of Kuwait. Borrowing runs through the bank itself rather than a broker, so the contract, the rate and the repayment terms all sit with one institution. Eligibility is checked in person against identity documents, with a civil ID that has not expired and completed KYC. Support runs on phone and help centre for questions before and during the loan.

How Warba Bank compares

Where Warba Bank is available

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

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

Frequently asked questions

What rate does Warba Bank charge on personal and car finance?+

Personal and car finance from Warba Bank is fixed-rate at 6.9%, with a fixed-rate model on personal, car and guarantor. The bank lends directly rather than through a broker, so the quoted rate is the rate you are offered. Compare it with the site median of 12% for context on where that sits.

How much can I borrow and over what term?+

Warba Bank lends KWD 1,000 to KWD 25,000 on personal and car finance, with terms running 6 to 180. Guarantor lending sits alongside these personal and car products. If your need sits above that ceiling, you will need another lender for the balance.

Who is eligible to borrow from Warba Bank?+

Applicants must be adults, and under the age of majority a guarantor or legal guardian signature is required. Kuwaitis have a wider salary band than non-Kuwaiti residents, whose minimum salary depends on the employer. A civil ID that has not expired and complete KYC are both needed.

Is Warba Bank regulated and is my money protected?+

Warba Bank is supervised by the Central Bank of Kuwait, and its headquarters are in Kuwait. It is a direct lender, so direct lender means you deal with the bank rather than an intermediary. The account runs on KW banking rails under that supervision.

Does Warba Bank offer a mortgage?+

Warba Bank offers housing finance for purchase at an APRC of 7.475%, fixed for 0.5 to 15. The maximum loan to value is 100%, so borrowing is possible up to the full value of the property. Ask the bank how the rate is set after the fixed period ends.

What support can I get from Warba Bank?+

Support runs on phone and help centre, so you can reach the bank by phone or use its help centre. There is no live chat or email listed among the support channels, which is worth knowing if you prefer written contact. For loan terms, check with the branch handling your application.

Is Warba Bank a broker or a marketplace?+

Warba Bank is a direct lender, listed as direct lender. That means the lender you apply to is the lender that funds the loan, with no comparison marketplace in between. It also means the rate is set by one institution rather than by a broker panel.

Sources

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

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

Warba Bank

Warba Bank

Borrowers in Kuwait who want direct, fixed-rate personal, car or guarantor finance plus a purchase mortgage.

9.0/10See alternatives

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