Whatever your ambitions, we have financial solutions that will make you feel at home with your money

We design our personal finance packages around your financial needs.

5.99% Starting from

Profit rate

150 Up to

TouchPoints

for every AED 1,000 of finance amount

Instant personal finance

Quick. Convenient. Digital

Get instant personal finance facilities directly through your ADCB Mobile Banking App. Enjoy the convenience of applying from anywhere, anytime, with a few simple taps.
Click here to know more

Keep in mind

Profit rates shall vary depending on customer segment, profile and Finance tenor.
For example, if your Finance amount is AED 100,000 the profit rate is 7.25% for a payback period of 48 months then your monthly installment will be AED 2,407, and processing fees will be AED 1,050. The total Finance payment amount including processing fee will be AED 115,500.
Processing fees for Personal Finance is 1.05% of the Finance amount.
Finance payment tenor start at 6 months and are up to a maximum of 48 months.
A one-time processing fee is applicable.
Personal Finance is granted against the assignment of the customer’s salary and end-of-service benefit (gratuity). This is in favour of ADCB Islamic Banking. ADCB acts as security for the personal finance taken by the customer from ADCB Islamic Banking.
Service Guarantee is our promise to provide you with a decision on your Personal Finance application within seven (7) working days. Hand over a complete set of documents to the sales or branch employees and send us an SMS to get started. SMS “P” to 2626. Terms and Conditions apply; please refer to adcbislamic.com/serviceguarantee for details.

Key benefits

TouchPoints eligibility

ADCB Product	TouchPoints Awarded on	TouchPoints Earned	Cap
Personal Finance	TouchPoints will be earned when net Finance Amount (AED 10,000 above )	TouchPoints Earned for every AED 1,000	75,000
	> 10,000 - <= 150,000	100
	> 150,000	150

TouchPoints will be credited to the TouchPoints Account only after a month from disbursal of the finance and only if such finance remains active and in good standing during such period.

Disclaimer

Participation in the TouchPoints Program is at the sole discretion of ADCB, on ADCB's Islamic Banking Consumer Terms And Conditions and upon submission of documentation acceptable to ADCB Islamic Banking. Terms and Conditions of the TouchPoints Program may be amended by ADCB Islamic Banking from time to time at its sole discretion. For detailed information please request for a copy of the Terms and Conditions of the TouchPoints Program from any branch of ADCB Islamic Banking or click here.

Frequently asked questions

Terms and conditions

Terms and conditions apply. To view the full ADCB Islamic Banking terms and conditions, please click here.

All terms and conditions are subject to change without prior notice. All offers are made available on a best-effort basis. Offers are at the sole discretion of ADCB Islamic Banking. ADCB makes no warranties and assumes no liability with respect to the products and services provided by the vendors/partners/service providers.

In order to be eligible to request a Payment Deferral, you must have previously paid minimum number of monthly instalments of the finance in full as per bank’s policy (that may change at the sole discretion of the bank without giving any prior notice). ADCB Islamic Banking may approve or reject your request for a Payment Deferral in its sole discretion without providing any explanation. For more details on terms and conditions please click here.

Fees and Charges

Approved by the Internal Shari’ah Supervision Committee

Important Note

If you settle the financing early, then you may have to pay early settlement charges. This is in accordance with finance documentation.
If you do not meet the payment requirements under the financing facility, your account will go into arrears. You might be required to pay the donation amount as per financing documents. This amount shall be paid to charity. This will be after deduction of any actual loss that the bank may have suffered due to your default.

Monthly Installment Calculator

Finance Amount

AED

AED 5000 AED 1000000

Profit rate*

%

3.75 % 25 %

*Profit in reducing balance.

Number of Installments

Months

6 48

Monthly Installment

AED 0

Total profit paid during the finance tenor is AED 0

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Disclaimer

The figures are based on indicative rates selected and are for illustrative purposes only. They do not apply to your finance. ADCB Islamic Banking rates are subject to change. The computation is based on simulated figures, several underlying assumptions, and possible rounding-off of figures. Please consult your Relationship Manager/or visit the nearest branch or call 600 56 2626 to ensure that you receive complete information about our finance product.

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Other ways to apply

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Call our 24-hour contact centre on 600 56 2626.

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SMS 'PF' to 2626

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Whatever your ambitions, we have financial solutions that will make you feel at home with your money