Personal Loans
made simple

Personal Loan

Don't let life's special moments pass you by. After all, some of them are once-in-a-lifetime occasions. Our personal loans cover just about everything that brings you happiness and joy, a family visit back home, building your business, your child’s education or wedding and much more.

We believe in responsible lending and don't charge extra fees for early settlement of your loan.


  •  Transfer your salary to enjoy special rates and loans of up to AED 500,000
  •  Enjoy flexible repayment tenures of up to 48 months
  •  No extra charges if you settle loan early from your own funds.

Documents Required

  • Application Form
  • Passport copy
  • Labour Card / Govt issued ID card copy
  • Emirates ID card copy
  • Salary Certificate
  • Salary Transfer/Assignment Letter (if applicable)
  • 3/6 months bank statement (Personal)

Fees & Charges

Interest rate As low as 6.99% (based on reducing balance)
Fees 1.05% of the loan amount
Insurance 0.016% × loan amount × loan tenure in months


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How much can I borrow? 

You can borrow up to a maximum of AED 500,000/-.

What interest rates do I pay? 

Our interest rates are charged on a reducing balance. The rates will depend on your income and the period over which you wish to repay.

What kind of collaterals do I need? 

You do not need any collateral or guarantors.

How long do I have to repay my loan? 

From 6 months to a maximum of 48 months, depending on your choice, eligibility and ease of repayment. You can also postpone installment payments (subject to approval).

Who is eligible for Personal Loans? 

Salaried UAE resident expatriates working for employers on the list of approved companies.

Can loans be given to unconfirmed employees? 

Yes. We do have a separate program for customers who are New to UAE/Employer.

What is the minimum salary required to apply for personal loan? 

Our Minimum Salary requirement starts from AED 5,000, which may vary based on the profile of the applicant or as determined by customer’s employer and income.

What documents do I need to present? 

  • Salary transfer letter
  • Copy of valid passport
  • 3 months' bank statements showing regular salary credits

When should I start paying back my loan? 

The due date for the first installment payment is to be linked to the date when your salary is credited, within 60 days of the date of disbursal.

When can I postpone my loan installment payments? 

You are eligible for 2 loan installment postponements in every calendar year, subject to approval.

When can I apply for a top-up loan? 

You can apply for a top up loan if you have not utilised the entire eligibility or in case of increase in salary.

Download Application forms: Personal loan with salary transfer

Terms and Conditions Apply

Click here for Terms and Conditions applicable to Personal loans with salary transfer

Click here for Schedule of Fees (Effective from April 1, 2023)

All financing and credit facilities are made available at the sole discretion of ADCB and is subject to ADCB's terms and conditions and submission of acceptable documentation.