Open An Account
Open a savings account or a checking account and benefit from the offers linked to it
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WELCOME TO CIBLINE
Your best financial ally
Need to open an account today?
Apply for a loan
Get a personal loan, a home loan or a loan for your small business
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Investing
Invest the way that works for you. We provide strategies to help you meet your goals.
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Free loan simulator
Estimate your monthly payment before applying
Adjust the amount, annual rate, and repayment term to preview the monthly payment, total interest, and total repayment. This public simulator is informational and does not replace the final offer shown in your secure dashboard.
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About Us
Cibline was created with the aim of raising the level of financial services in the world.
We are guided by a common goal to improve financial life by connecting communities and clients with the resources they need to succeed. We are driving growth by helping to create jobs, build communities, promote economic mobility and address society’s greatest challenges, while managing risk and delivering returns to our customers and shareholders. Our success is attributed to our loyal customers, the talent and dedication of our professional and qualified employees .
Our promise is to continue to work tirelessly to remain relevant in a fast-paced and changing world. Having the right technology, channels and platforms to make banking easy for all our customers, regardless of size or purpose.
Our Services
We offer a wide range of services; Banking, Lending, Investment and Wealth management solutions.
Banking
Personal and professional international banking solution with more fair exchange rates and fees. Send money to loved ones, pay your employees and receive payments
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Lending
Personal loans, mortgages, loans for small and medium businesses at very affordable rates.
Investing
Invest the way that works for you. When you invest with us you can get as much, or as little, help as you need.
Wealth management
Manage your wealth according to your individual needs; protect your loved ones and your property.
Loan and investment solutions
Structured financing for personal needs, business growth, property projects, export activity, and long-term investment planning.
Personal loan framework for qualified clients with documented needs and a reviewed repayment profile.
Flexible credit lines and commercial funding options for eligible companies.
Longer-term business financing models for equipment, working capital, real estate, and expansion.
Borrowing options
Personal loans
Fixed payments, defined repayment terms, and lump-sum funding for large purchases, debt consolidation, family needs, or planned expenses.
Personal line of credit
Reusable credit for qualified clients who want to borrow only what they need and pay interest only on the amount used.
Secured and property-backed lending
Financing structures that may use eligible assets or home equity to support larger purchases, renovation, or investment projects.
Credit builder support
Guidance for clients who need to strengthen their credit profile before accessing larger borrowing facilities.
Business loans
Capital for acquisition, expansion, equipment, inventory, payroll, operating costs, and commercial real estate.
Export and trade financing
Working-capital structures for international activity, export orders, documentary support, and cross-border growth.
How approval is reviewed
- Credit history, income, account activity, and debt-to-income profile are reviewed before a decision.
- Business requests may require company registration, statements, revenue history, ownership details, and project purpose.
- Eligible borrowers may benefit from automatic payment arrangements and clear repayment schedules.
- Early repayment and additional principal payments can be considered depending on the final loan agreement.
Simple 4-step process
- Choose the product that matches your personal, business, property, or investment objective.
- Submit the request with the amount, purpose, repayment preference, and applicant details.
- Upload documents through your secure dashboard when additional verification is required.
- Receive eligibility feedback, advisor guidance, and the final decision once the file is complete.
Personal installment loans can be structured with predictable monthly payments and terms commonly reviewed across 24 to 60 months.
Eligible unsecured personal loans can be reviewed without processing or annual fees, with early principal repayment considered under the final agreement.
Auto-pay arrangements may simplify monthly repayment and can support preferred pricing when the borrower meets account requirements.
Applications may require identity documents, income proof, account statements, business records, purchase agreements, or asset details.
Business and SBA-style program guide
| Program | Typical use | Indicative structure |
|---|---|---|
| Business term loan | Expansion, acquisition, equipment, inventory, or working capital. | Fixed-term financing with scheduled repayment. |
| Business line of credit | Short-term cash flow, seasonal needs, receivables, and payroll timing. | Reusable credit where funds become available again after repayment. |
| Commercial real estate | Purchase, renovation, construction, or refinancing of eligible property. | Longer repayment terms based on project, collateral, and borrower profile. |
| Equipment finance | Machinery, vehicles, technology, and productive assets. | Repayment matched to the expected useful life of the asset. |
| Export working capital | International orders, exporter cash flow, and documentary trade support. | Shorter-term financing for verified trade activity. |
Working hours
Digital account access and online applications remain available every day. Advisory review follows business-hour processing.
Online account access
24 hours / 7 days
Loan and investment desk
Monday-Friday
Document review
Business days
Secure message replies
During advisory hours
Important lending notice
Approval, loan amount, rate, repayment term, and required documents depend on eligibility, credit quality, location, business profile, collateral where applicable, and final underwriting. No financing is guaranteed before review.
Cibline virtual Visa card
Pay online and manage your card from your dashboard
The Cibline virtual Visa card is designed for secure online purchases, international digital payments, and everyday account-linked spending control.
Online payments
Use your virtual card details for online purchases with merchants that accept Visa-style card payments.
International use
Support cross-border digital transactions while keeping card activity connected to your Cibline account.
Session-protected details
Card number, expiry date, and CVV stay hidden until you complete dashboard verification.
Lock and unlock
Temporarily disable or reactivate the virtual card from the user dashboard whenever extra control is needed.
Frequently asked questions
Clear answers about accounts, virtual cards, loan eligibility, contracts, fund release, and repayment planning.
Can I simulate a loan before opening an account?
Yes. Use the free simulator on this page to estimate a monthly payment. The final rate and schedule are confirmed only inside the secure loan workflow.
When is the definitive amortization schedule created?
The first schedule is previsional. The definitive schedule is generated after contract signature and fund release, with the first debit planned 60 days later.
How does virtual card activation work?
The first activation is submitted as a request. The financial service reviews it, then you receive an email confirmation when the card becomes available.
How is the loan contract signed?
You read the contract in your dashboard, accept it electronically, then validate the signature with an OTP code sent to your registered email address.
Are notifications sent in my language?
Yes. Your selected language is saved as your default preference and used for dashboard translations and supported email notifications.
Where can I find more detailed answers?
Open the dedicated FAQ page for a richer guide covering onboarding, documents, cards, contracts, repayments, and security.