Tunisia: Honor Loan Platform to Launch on October 1

The Banking and Financial Council has published an explanatory video detailing the procedures for benefiting from the “honor loan”, with the registration platform set to launch on Thursday, October 1, 2026.

The new financing mechanism was introduced under Decree-Law No. 148 of 2026, dated July 23, 2026, concerning the reform of banking facilities and the cheque system.

Financing without interest or complex guarantees

The “honor loan” is intended for individuals, small project owners, small and medium-sized enterprises (SMEs), and community companies.

The financing is granted at a 0% interest rate, with beneficiaries exempt from bank interest, file-processing fees and additional commissions. No personal guarantee or real collateral is required.

Financing of up to 25,000 dinars

The maximum amount depends on the category of beneficiary:

• Individuals: up to 5,000 dinars for personal or consumer expenses.
• Small project owners: up to 10,000 dinars for professional activities.
• SMEs and community companies: up to 25,000 dinars for financial balance or investment.

Repayment over two years

The maximum repayment period is set at two years, with a grace period of up to six months.

Banks must respond to applications within a maximum of 10 working days. In the event of a rejection, the applicant must be provided with the official reasons for the decision in writing.

Applications processed according to registration order

Applications will be processed according to priority and the order in which they are registered through the dedicated electronic platform.

All banks are expected to launch and operate the platform starting October 1, 2026.

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