Apply for Personal Loan
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ADCB Personal Loans are designed as flexible, low-cost loan packages for expatriates residing in the UAE and UAE Nationals. The borrower can apply for a loan amount up to 20 times of salary with interest rates starting from 5.25% and 6.25% for the expats and UAE Nationals respectively. There are 4 ADCB Personal Loans available to apply for.
| Loan Name | Minimum Salary Required | Interest Rate | Max. Loan Amount |
|---|---|---|---|
| Islamic Banking Personal Finance For UAE Nationals | AED 10,000 | 5% | AED 400,000,0 |
| Personal Loan for UAE Nationals | AED 5,000 | 5.25% | AED 150,000,0 |
| Personal Loan for Expats | AED 5,000 | 6% | AED 150,000,0 |
| Salam Personal Finance for Expats | AED 5,000 | 6% | AED 150,000,0 |
Islamic Banking Personal Finance For UAE Nationals
Minimum Salary Required
AED 10,000
Reducing Rate
Starting 5%
Maximum Loan Amount
AED 4000K
Features and Benefits
Features & Benefits
-
A minimum salary of AED 10,000 is required
-
The profit rate starts at 5%
-
The repayment period is up to 4 years
-
Finance up to AED 4,000,000
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Only UAE Nationals can apply for this scheme
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Early settlement fee is 1.05% of the finance amount
-
Takaful fee is 1.05% of the finance amount
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Arrangement fee is 1.05% of the loan amount
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It is mandatory to transfer your salary to apply for this scheme
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Free ADCB Islamic banking credit card is provided
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Get 300 touchpoints on every AED 1000 of the finance provided
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Get 50% OFF on the processing fee on applying for the account through ADCB Hayyak App. Also, avail 50,000 Touchpoints on the approval.
Personal Loan for UAE Nationals
Minimum Salary Required
AED 5,000
Reducing Rate
Starting 5.25%
Maximum Loan Amount
AED 1500K
Features and Benefits
Features & Benefits
-
A minimum salary of AED 5000 is required
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Interest rate starting from 5.25%
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The repayment period is up to 4 years
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Maximum Finance amount up to AED 1500000
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Only UAE Nationals can apply for this scheme
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The early settlement fee is 1.05% of the finance amount
-
An arrangement fee is 1.05% of the loan amount
-
Takaful fee is 1.05% of the finance amount
-
Salary Transfer Mandatory
-
Free ADCB Islamic banking credit card is provided
Personal Loan for Expats
Minimum Salary Required
AED 5,000
Reducing Rate
Starting 6%
Maximum Loan Amount
AED 1500K
Features and Benefits
Features
-
A minimum salary of AED 5,000 is required
-
The profit rate starts at 6%
-
The repayment period is up to 4 years
-
Finance up to AED 1,500,000
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Early settlement fee is 1.05% of the finance amount
-
Takaful fee is 1.05% of the finance amount
-
Arrangement fee is 1.05% of the loan amount
-
Salary Transfer Mandatory
-
Salary overdraft up to 2 times
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Get 300 touchpoints on every AED 1000 of the finance provided
-
Free ADCB Islamic banking credit card is provided
-
Get 50% OFF on the processing fee on applying for the account through ADCB Hayyak App. Also, avail 50,000 Touchpoints on the approval.
Salam Personal Finance for Expats
Minimum Salary Required
AED 5,000
Reducing Rate
Starting 6%
Maximum Loan Amount
AED 1500K
Features and Benefits
Features
-
A minimum salary of AED 5,000 is required
-
The profit rate starts at 6%
-
The repayment period is up to 4 years
-
The maximum Finance up to AED 1,500,000
-
The early settlement fee is 1.05% of the finance amount
-
Takaful fee is 1.05% of the finance amount
-
An arrangement fee is 1.05% of the loan amount
-
Salary Transfer Mandatory
-
Get 300 touchpoints on every AED 1000 of the finance provided
-
Free ADCB Islamic banking credit card is provided
-
Get 50% OFF on the processing fee on applying for the account through ADCB Hayyak App. Also, avail 50,000 Touchpoints on the approval.
Documents Required to apply for ADCB Personal Loan in UAE
1. Passport and Visa Copy
2. Emirates ID
3. Income Proof – Valid Salary Certificate or Latest Payslips
4. 3-6 Months Bank Statement
5. Salary Transfer Letter
6. Liability letter in case of Buyout loan
Get in touch with ADCB Customer Care.
Frequently Asked Questions for ADCB Personal Loans
Who can apply for an ADCB Personal Loan?
All UAE residents (UAE Nationals and Expatriates) and non-residents earning sufficient income from either a salary or from running a company (self-employed), are eligible to apply for an ADCB Personal Loan.
What is the minimum income required per month to take a Personal Loan from ADCB?
A minimum Salary of AED 5,000 is required to apply for a personal loan with ADCB.
How do I apply for an ADCB Personal Loan in UAE?
There are three convenient ways to apply for an ADCB Personal Loans.
Simply apply online through our ADCB.com website, or visit any of our ADCB Branches or alternatively, you may also simply call Toll free ADCB Contact Centre on 600 50 2030.
Am I allowed to fully settle my loan at any time?
Yes, you may fully repay your personal loan at any time. However, the Bank may charge an early settlement fee.
How much is the early settlement fee?
ADCB personal loan borrowers are charged an early settlement fee of 1.5% of the loan outstanding amount.
*Disclaimer: The information provided by UAE Cash Loans on bank loan rates/information is on our best effort basis. As the interest rates and terms are dynamic, the data provided on UAE Cash Loans online portal is for information purposes only and does not constitute advice. Please always check with the banks or credit providers directly before committing yourselves. We take no responsibility for any contract or service you avail through such Banks, Financial Institutions or Agents.