In UAE, Major banks offer to apply for personal finance for both locals and expats working inside the country based on their monthly income, vintage and size of the company.

Interest rate plays a vital role while applying for personal loan. Lower the interest rate, it’s always easier and convenient to repay.

You may get confused for choosing the right bank as per your current requirements, we enable our visitors to apply for a Personal Loan from their house or office to gather detailed information about credit facility available across the banks in UAE.

Compare Salary transfer loans and Non salary transfer loans and buyout loans:

Bank Loans Offered To Profit/Interest Min. Salary AED Max. Amount AED Upfront Fee Key Features Apply
dib Expatriate
UAE National
9.82% 5000 4,000,000 500 AED # Additional finance

# Quick Processing

# Liabilities settlement finance

# Reduced monthly payments

# Competitive profit rates

# Combine your payment obligations into a single finance solution

# Liability consolidation Finance

applynow
Ub Expatriate
UAE National
5.25% 5000 1,000,000 1.00% subject to max of AED 2500 # Loan amount up to 20 times of your salary.

# Repayment period up to 48 months.

# Interest rates as low as 5.25%.

# Loans available up to AED 2 million

applynow
NIB Expatriate
UAE National
5.75% 5000 2,50,000 1% # Noor Islamic Bank Personal Finance offers.

# First installment due after a minimum of 30 days from booking.

# 1% early settlement fee

# 1% arrangement fee; maximum finance amount of AED 250000

applynow
adcb Expatriate 6.25% 5000 1,000,000 1.00% subject to max of AED 2500 # High salary multiples

# Competitive interest rates

# Loan consolidation available

# Simple documentation

# Credit life insurance

# Free ADCB Credit Card

# Up to two times salary overdraft

# Starting from 6.25% interest rate per annum

# Flexible eligibility criteria

applynow
adcb UAE National 5.25% 5000 3,000,000 1.00% subject to max of AED 2500 # High salary multiples

# Competitive interest rates

# Loan consolidation available

# Free ADCB Credit Card

# Up to two times salary overdraft

# Starting from 5.25% interest rate per annum

# 200 touch points for every AED 1,000 of loan amount

applynow
dib Expatriate 9.82% 5000 4,000,000 500 AED # Additional finance

# Quick Processing

# Liabilities settlement finance

# Reduced monthly payments

# Competitive profit rates

# Combine your payment obligations into a single finance solution

# Liability consolidation Finance

applynow
dib UAE National 8.82% 3000 4,000,000 500 AED # Additional finance

# Quick Processing

# Liabilities settlement finance

# Reduced monthly payments

# Competitive profit rates

# Combine your payment obligations into a single finance solution

# Liability consolidation Finance

applynow
EIB-300x77 (1) UAE National 7.75% 8000 3,000,000 500AED # Up to AED 3,000,000 finance for UAE Nationals

# Minimum Salary of AED 8,000 for UAE Nationals

# Repayment tenor of up to 4 years

# Simple documentation

# Quick processing

# Pre-Approved Credit Card with lifestyle benefits

applynow
EIB-300x77 (1) UAE National 4.74% 5000 4,000,000 0.75% # High finance amount of up to 4 million for UAE Nationals

# Flexible, extended repayment periods of up to 4 years

# Can be used to consolidate all debts into an easy payment plan involving the same instalment every month

# External credit cards can be paid off for a lower monthly payment

# No over limit fees or additional charges with a lower profit rate

# Murabaha structure followed

# Shari’a based product

applynow
 emirates-nbd1-300x74 UAE National 4.49% 5000 40,00,000 1% # Attractive reducing interest rates

# Loan amounts up to AED 4 Million to UAE Nationals

# No collateral or guarantor required

# Free Bank Account with no minimum balance requirement

# Easy process and simple documentation

# Also offer a 7-day loan return option, should you be dissatisfied with any of our terms

applynow
emirates-nbd1-300x74 Expatriate 5.49% 5000 3,000,000 1% # Attractive reducing interest rates

# Loan amounts up to AED 3 Million

# No collateral or guarantor required

# Free Bank Account with no minimum balance requirement

# Easy process and simple documentation

# Also offer a 7-day loan return option, should you be dissatisfied with any of our terms

applynow
 mashreq_bank-logo Expatriate UAE National 6.99% 10000 3,000,000 1.00% subject to max of AED 2500 # High loan amounts of up to 20 salary multiples, max AED 3 million# Competitive rates of interest

# Comfortable repayment loan tenure of up to 48 months (except for employees of Ministry of Defense where maximum tenor is up to 60 months)

# Exciting bundled offers available with extra benefits

# Top-up facility available for existing loan customers

# Islamic finance option is available

# Loan disbursal in 24 hours

applynow
 RAk Expatriate UAE National 4.39% 5000 2,000,000 1.00% subject to max of AED 2500 # Quick approvals

# Competitive interest rates

# Flexible repayment periods of up to 48 months

# Top up loan after 1 year

# Easy does it! Hassle-free loan takeovers from other banks

# FREE RAKBANK Debit Card and personalized cheque book*

# FREE RAKBANK Credit Card with no annual fee ever and low interest rates

# 24-hour, 7-day Phone Banking services

applynow
EIB-300x77 (1) Expatriate 5.84% 5000 2,000,000 0.75% # High finance amount of up to 4 million for UAE Nationals

# Flexible, extended repayment periods of up to 4 years

# Can be used to consolidate all debts into an easy payment plan involving the same instalment every month

# External credit cards can be paid off for a lower monthly payment

# No over limit fees or additional charges with a lower profit rate

# Murabaha structure followed

# Shari’a based product

applynow
barc Expatriate 7.75% 6500 1,000,000 1.00% subject to max of AED 2500 # Up to AED 1,000,000 finance for Expatriates

# Minimum Salary of AED 6,500 for Expatriates

# Repayment tenor of up to 4 years

# Quick processing

# Pre-Approved Credit Card with lifestyle benefits

applynow
brand_dunia Expatriate 28% 5000 1,00,000 1% # Check your personal loan eligibility in 10 minutes

# Fast and Easy approval with no salary transfer

# Instant approval in 24 hours

# Top-up facility available after 12 months

# Flexible repayment loan tenure of up to 48 months

# Affordable monthly instalments

applynow
emirates-nbd1-300x74 Expatriate
UAE National
6.49% 10000 750,000 1% # Rates starting from 6.49% per annum

# Pay your loan back over 12 to 48 months

# Borrow up to AED 1,000,000 if you are a UAE national; for expats, it’s up to AED 750,000

# Get an interest rate based on your profile

# Take out your loan without having to pay for extra insurance

# Get an approval in principle on your loan in 10 minutes if you apply online

# Top-up option to accommodate your ever-changing financial needs

applynow
emirates-nbd1-300x74 Expatriate
UAE National
5.50% 8000 3,000,000 1% # High loan amounts for UAE nationals and residents

# Competitive interest rates starting from 5.50% reducing per annum*

# Flexible repayment period up to 48 months

# Current account with minimum balance requirement waived

# Top-up of existing CBD Personal Loan

# Buy-out or transfer of Personal Loan from other banks (with or without topping up the loan amount)

# Free Debit Card for purchases and withdrawals

# Deferment facility.

applynow
FGB[1] Expatriate 23% 10000 1,50,000 1% # First Gulf Bank Easy Loan offers

# Loan repayment period of up to 48 months

# Maximum loan amount of AED 150000

# 2% arrangement fee.

applynow
citi Expatriate
UAE National
17% 10000 250,000 1% # Loans of up to AED 250,000

# Loan amounts of up to 20 times of your salary

# Competitive interest rates

# Approvals in 1 day

# Instant loan funding upon final approval

# Tenors from 6 months up to 48 months

applynow
brand_dunia Expatriate 28% 5000 80,000 1% # Check your personal loan eligibility in 10 minutes

# Fast and Easy approval with no salary transfer

# Instant approval in 24 hours

# Top-up facility available after 12 months

# Flexible repayment loan tenure of up to 48 months

# Affordable monthly instalments

applynow
brand_dunia Expatriate
UAE National
24% 5000 500,000 1% # No salary transfer required

# Attractive interest rates

# Free for life credit card

# Flexible repayment period

# Available to UAE Nationals & expatriates

# PDC buyout for loan or credit card facility available on lower profit rate

applynow
brand_dunia Expatriate
UAE National
8.74% 10000 2,000,000 1% # Postpone installments for the first three months

# Coverage for the total outstanding balance of the finance and period of finance

# Coverage is provided against death due to unnatural causes and permanent total disability caused by accident or sickness up to a maximum of AED 2,000,000​

# Low contribution rates

# Coverage is voluntary. You can choose not to opt in when applying for finance

applynow