True-cost calculator
Compare flat and reducing rates, see the effective annual rate and a year-by-year repayment chart.
Personal Loans in the UAE
Make it happen for weddings, travel, studies, home and more with a personal loan built around your salary.
Calculate your EMI, see how much you can borrow, check if a debt buyout could save you money, and compare salary-transfer, non-salary and Islamic personal finance — all in one place.
Up to 20× salary
Up to 48 months
Salary transfer & non-STL
Your estimated EMIAED 0 /month
Loan amountAED 0
Tenure48 months
0Max loan as multiple of monthly salary
0Max tenure for personal loans
0%Max debt burden ratio on salary
0%Early settlement fee cap*
Based on UAE Central Bank retail lending guidelines. *Up to 1% of the outstanding balance, capped at AED 10,000. Always confirm current terms with your bank.
What will your loan make possible?
Tap a goal to load a typical amount into the EMI calculator — then adjust it to your own plan.
Borrow smarter, repay with confidence
Clear numbers and honest guidance — so the loan you choose works for you, not against you.
Borrowing power check
See your debt burden ratio and your maximum loan, using both the 50% DBR and the 20× salary limits.
Buyout savings estimator
Find out whether moving your existing loans to a lower rate really saves money after fees.
Islamic finance explained
Understand Murabaha-based personal finance and how a profit rate differs from interest.
Smart checklist
An interactive document list for salaried and self-employed applicants, saved on your device.
Unbiased guidance
We help you discover options. Loans are issued by banks and approval is always at the lender's discretion.
Find the loan type that fits you
Personal loans in the UAE come in a few flavours. Choose one to see how it works.
Salary transfer loan
Move your monthly salary to the lending bank and in return get its best rates and the highest loan amounts. This is the most common type of personal loan in the UAE.
- Lowest rates and higher approval chances
- EMI deducted automatically on salary day
- Often bundled with credit card or account perks
Max amountUp to 20× salary
TenureUp to 48 months
NeedsSalary transfer letter
Best for: employees of listed companies who want the lowest cost.
Non-salary transfer loan
Borrow without moving your salary. It's more flexible, but banks usually charge a higher rate and may ask for a higher minimum salary.
- Keep your salary in your current bank
- Useful if your employer isn't on a bank's list
- Expect higher rates and stricter checks
RatesUsually higher
TenureUp to 48 months
Min. salaryOften higher
Best for: people who want to keep their current banking setup.
Islamic personal finance
Sharia-compliant finance, usually through Murabaha (the bank buys a commodity and sells it to you at a marked-up price) or Tawarruq. You pay a fixed profit rate instead of interest.
- Fixed, agreed total repayment
- Late charges often given to charity
- Available with and without salary transfer
PricingProfit rate
StructuresMurabaha · Tawarruq
TenureUp to 48 months
Best for: borrowers who prefer Sharia-compliant banking.
Loan buyout
A new bank pays off your existing loans or card balances and gives you one new loan, ideally at a lower rate. Use the buyout estimator on this page to check the real saving.
- One EMI instead of many
- Can lower your monthly payment
- Factor in early settlement fees
Key documentLiability letter
Settlement feeMax 1%, AED 10k cap
Works whenNew rate is clearly lower
Best for: anyone paying high card or loan rates.
Top-up loan
Already repaying a personal loan? Your bank may lend you an extra amount on top of your current balance, combined into one new loan with a fresh tenure.
- Quick for existing customers
- Usually needs a good repayment record
- Restarts the tenure — watch total interest
WhoExisting borrowers
PaperworkUsually minimal
LimitWithin 20× salary & DBR
Best for: borrowers with a strong repayment track record.
See your monthly payment instantly
Move the sliders or type your numbers. Switch between flat and reducing rates to compare offers fairly.
AED
5K1M
%
1%25%
months
6 mo1 yr234 yrs
%
0%AED 01%
Monthly EMIAED 0for 48 months
Principal0
Total interest0
Processing fee0
Total you repay0
Yearly breakdown PrincipalInterest
How much can you borrow?
Two UAE rules decide your limit: total repayments within 50% of salary, and a personal loan of no more than 20 times your monthly salary.
AED
3K100K
AED
050K
Include car loans, mortgage and 5% of each credit card limit.
yrs
1870
0%Debt burden ratio
Max affordable EMI0
Limit by 20× salary0
Limit by 50% DBR0
Your max loan0
Could switching save you money?
Compare what you pay now with a new loan at a lower rate — after the early settlement fee.
AED
%
Credit cards in the UAE often charge 30%+ a year.
%
months
Estimated net savingAED 0
Monthly difference0
Early settlement fee0
Compare personal loan types
The key differences at a glance, so you can shortlist before you talk to a bank.
| Feature | Salary transfer | Non-salary | Islamic | Buyout |
|---|---|---|---|---|
| Pricing | Lowest rates | Higher rates | Fixed profit rate | New lender's rate |
| Max amount | Up to 20× salary | Up to 20× salary, often lower | Up to 20× salary | Balance + optional top-up |
| Max tenure | 48 months | 48 months | 48 months | 48 months |
| Salary move | Required | Not required | Either option | Usually required |
| Extra checks | Employer on bank's list | Higher minimum salary | Commodity trade (Murabaha) | Liability letters |
| Best for | Lowest total cost | Flexibility | Sharia-compliant buyers | Cutting high-rate debt |
From application to money in your account
Five simple steps, and the documents to keep ready.
- STEP 01
Plan your amount
Use the EMI and borrowing tools to choose an amount and tenure that keep your DBR comfortable.
- STEP 02
Check your credit score
Get your Al Etihad Credit Bureau report and fix any errors before you apply.
- STEP 03
Compare & apply
Compare rates, fees and salary-transfer terms from a few lenders, then apply online or in a branch.
- STEP 04
Verification & approval
The bank verifies your salary and employer, then shares a final offer with the key facts statement.
- STEP 05
Sign & receive funds
Sign the agreement and the money is credited to your account — often within a few working days.
Document checklist
Tick off what you already have.
0/0
Know every cost before you sign
Ask for the Key Facts Statement — UAE banks must give you one showing all fees up front.
Processing fee
Usually a percentage of the loan, often around 1% with a cap. Many banks waive it during promotions.
Early settlement
Capped at 1% of the outstanding balance, up to AED 10,000. Partial prepayments may have their own rules.
Late payment fee
Missed EMIs bring a fixed fee and hurt your credit score. Keep a small buffer in your account.
Life insurance
Most loans include life cover that pays off the balance if the worst happens. Check its monthly cost.
Common personal loan myths
Tap a card to flip it and see the truth.
Personal loan questions, answered
Quick answers to what UAE residents ask most before borrowing.
Visit Help CenterHow much personal loan can I get in the UAE?
Personal loans are limited to 20 times your monthly salary, and all your monthly repayments together must stay within 50% of your salary. Your final limit is the lower of the two, adjusted for your credit score.
What is the maximum tenure?
Personal loans in the UAE are generally capped at 48 months (4 years).
What is the minimum salary for a personal loan?
It depends on the bank. Many ask for around AED 5,000 a month, and non-salary-transfer loans often need more.
Should I choose a flat or reducing rate?
Compare them on the same basis. A flat rate charges interest on the full amount for the whole tenure, so it costs more than the same reducing rate. Our calculator converts one into the other.
Can I get a personal loan without transferring my salary?
Yes. Many banks offer non-salary-transfer loans, usually at higher rates and with a higher minimum salary.
How quickly will I get the money?
Once your documents are complete and verified, many banks credit funds within a few working days. Existing customers can be faster.
Ready to take the next step?
Know your numbers, compare your options and apply with confidence. Final approval is always subject to the lender's criteria.