Looking for a personal loan in Dubai or across the UAE? Whether
you're a UAE national or an expat, 2025 brings more flexibility and attractive
offers than ever. The market now features ultra-low
interest rates, salary
transfer-based perks, and expat-tailored
solutions—including Sharia-compliant Islamic financing.
Why Salary Transfer Loans Stand Out
Many UAE banks offer salary
transfer loans, where you deposit your salary with the lender
in exchange for better terms:
·
Lower
interest rates—because your salary provides built-in repayment security
·
Higher
borrowing limits, in some cases up to 20x your
monthly salary Personal Loan in UAEGulf Finance
·
Added perks such as
top-up loans, deferred EMIs, and overdraft facilities Emirates NBDPersonal Loan in UAEGulf Finance
This option tends to offer the most favorable terms—ideal for
expats and locals alike.
Top Personal Loans in Dubai & UAE for 2025
1. Emirates NBD
·
Flat Rate: From 2.49%
·
Loan Limit: Up to AED
600,000
·
Approval: Same-day
·
Perks: Salary
transfer not required Vyapar Grow
·
Via salary
transfer, rates start around 5.49% reducing or 2.63% flat, loans up to AED
3M Soul WalletPolicybazaar UAE
·
Reddit users
mention: No insurance fees; flexible minimum salary from AED 5,000; EMI
deferment, free overdraft & reward cards for high-tier customers Reddit+1
2. Abu Dhabi Commercial Bank (ADCB)
·
Flat Rate: From 2.85%
·
Loan Limit: Up to AED 1
million
·
Approval
Time: Within 24–48 hours
·
Extras: Free life
insurance included Vyapar Grow
·
Expat
Options: Competitive rates starting at 5.99% flat, fast approval, and
top-up/loan takeover flexibility Zet laon
3. First Abu Dhabi Bank (FAB)
·
Flat Rate: From 2.75%
·
Loan Limit: Up to AED
750,000
·
Approval
Time: Same day
·
Perks: Top-up loans
available Vyapar Grow
4. Mashreq Bank
·
Flat Rate: From 2.99%
·
Loan Limit: Up to AED
500,000
·
Approval: Instant via
app
·
Expat Option: Salaried
applicants enjoy quick processing and app-based ease Vyapar GrowZet laon
5. RAKBANK
·
Flat Rate: From 3.09%
·
Loan Limit: Up to AED
150,000
·
Approval: Same day
·
Low-income
friendly (minimum salary AED 3,000) Vyapar Grow
·
Salary
transfer loans: Rates starting 4.99% with top-up options for quick approvals Personal Loan in UAE
6. Citibank (Salary Transfer Loan)
·
Flat Rate: 3.85% + Reducing Rate: 8%
·
Loan Limit: Up to AED
500,000
·
Approval: Within 24
hours
·
Perks: No
processing fees, flexible tenure up to 4 years Policybazaar UAE
7. Emirates Islamic Bank
(Sharia-Compliant)
·
Profit Rate: From ~5.22%
reducing (expats)
·
Loan Limit: Up to AED 2
million
·
Approval: 24-hour
turnaround, with first EMI deferred up to 120 days Soul Wallet
8. Dubai Islamic Bank
(Sharia-Compliant)
·
Profit Rate: From 5.99%
flat (expats)
·
Loan Limit: Up to AED 2
million for expats
·
First EMI: Can be
delayed up to 120 days for nationals Zet laonPersonal Loan in UAE
9. Al Hilal Bank
·
Fixed Rate: 3.25%
·
Reducing
Rate: 5.9%
·
Salary
Requirement: AED 10,000
·
Sharia
Compliance & Quick Approval Soul Wallet
10. Commercial Bank of Dubai (CBD)
·
Flat Rate: 3%
·
Reducing
Rate: 5.5%
·
Loan Limit: AED 750K for
expats, AED 3M for nationals
·
Flexible
tenures and top-up facility Policybazaar UAE
Quick Comparison Table
|
Bank / Option |
Flat Rate (Lowest) |
Reducing Rate |
Loan Limit (AED) |
Salary Transfer? |
Best For |
|
Emirates
NBD |
2.49% |
~5.49% |
Up
to 600k (no transfer) |
Optional |
Fast,
low-rate loan |
|
ADCB |
2.85% |
— |
Up
to 1M |
Yes |
Free
life insurance, high limit |
|
FAB |
2.75% |
— |
Up
to 750k |
Yes |
Top-up
flexibility |
|
Mashreq |
2.99% |
— |
Up
to 500k |
Optional |
Digital-first,
quick approval |
|
RAKBANK |
3.09% |
— |
Up
to 150k |
Yes |
Low
income-friendly |
|
Citibank |
3.85% |
8% |
Up
to 500k |
Yes |
No-processing
fees |
|
Emirates
Islamic (Sharia) |
~5.22% |
— |
Up
to 2M |
Yes |
Halal,
high limit |
|
Dubai
Islamic Bank (Sharia) |
5.99% |
— |
Up
to 2M (expats) |
Yes |
Halal,
deferred payment |
|
Al
Hilal Bank (Sharia) |
3.25% |
5.9% |
— |
Yes |
Competitive
halal option |
|
CBD |
3% |
5.5% |
750k
(expats) |
Yes |
High
limits, good rates |
Eligibility & Requirements
·
Age: Typically
21–60 years Khaleej Times
·
Minimum
Salary: AED 5,000–10,000 per month depending on the bank Khaleej TimesPolicybazaar UAE
·
Residency
& Employment: UAE residency & minimum 6 months employment (some offer 3
months) Khaleej Times
·
Credit Check: All
applicants are screened via Al Etihad Credit Bureau (AECB) Khaleej Times
·
Documents
Required: Emirates ID, passport/visa, salary certificate, bank statements,
salary transfer letter (for salary loan) Khaleej Times
Final Thoughts
Whether you're a long-term UAE resident or newly relocated expat,
personal loans in Dubai and across the UAE are competitive and flexible in
2025. Salary transfer options unlock the lowest rates,
highest loan amounts, and convenient perks. Islamic banking adds ethical
alternatives. With rates now starting from as low as 2.49% flat and quick
same-day approvals on offer, borrowers can find tailored solutions for almost
any need.
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