Give Al-Rajhi Bank a try. I got a loan from them and find them to be very competitive. Just ensure you provide all the documents they ask for. Also if you don't want them to call your office to verify with your HR on your employment, get a letter of confirmation from HR providing information like your tenure of service and salary, allowance etc... now AlRajhi is offering 2 months deferrment till Nov/Dec to make your first payment.

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Added on August 6, 2012, 8:38 am

That's what I did with Al Rajhi Bank. If you'r credit card outstandings isn't that bad, just do a personal loan with Al Rajhi but don't do the balance transfer. I was approved for personal financing on the 26th and money disbursed to my a/c on 27th however I am still waiting on them to effect the balance transfer to my credit cards!