Personal Loan for Expatriates in the UAE

A customised solution that suits your ambitions

Delivering on our promise to develop products and services that cater to all community members, we have designed flexible, low-cost loan packages for expatriates residing in the UAE.

5.25% From

Interest rate

starting from 5.25% interest rate per annum

2X Up to

Salary overdraft

with flexible eligibility criteria

300 Up to

TouchPoints

for every AED 1,000 of loan amount

Keep in mind

The interest rate mentioned on this page is applicable for Excellency/ Emirati Excellency customer segments. The applicable rate shall vary depending on customer segment and profile.
Additional one-time fee is applicable for life insurance cover.
Personal loan is granted against assignment of the customer’s salary and end of service benefit (gratuity) in favor of ADCB, which acts as security for the personal loan taken by the customer from ADCB.
Service Guarantee is our promise to provide you a decision on your Personal Loan application within three working days. Hand over a complete set of documents to the sales or branch staff and send us an SMS to get started, SMS ‘P’ to 2626. Terms and Conditions apply, refer to adcb.com/serviceguarantee for details.

Key benefits

High salary multiples
Competitive interest rates
Loan consolidation available
Simple documentation
Credit life insurance
Free ADCB Credit Card
Up to two times salary overdraft

TouchPoints eligibility

ADCB Product	TouchPoints Awarded on	TouchPoints Earned	Cap
Personal Loan	TouchPoints will be earned when net Loan Amount (AED 10,000 above )	TouchPoints Earned for every AED 1,000	75,000
	> 10,000 - <= 150,000	200
	> 150,000	300

Frequently asked questions

Please click here.

Terms and conditions

ADCB loans will be made available at the sole discretion of ADCB, subject to ADCB's terms and conditions and upon submission of documentation acceptable to ADCB. Terms and conditions apply. To view the full Consumer Banking terms and conditions, click here.

Documents required

SR No	Documents Required
1	Completed application form
2	Valid Passport, Visa & EIDA Card copy
3	Last 3 months bank statements copy
4	Salary certificate issued to ADCB, dated 30 days or less from date of loan application
5	Salary transfer letter
6	Details of existing loans/liabilities

Important Note

You may have to pay penalties if you pay off a loan early
If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future

Monthly Installment Calculator

Loan Amount

AED

AED 5000 AED 1000000

Interest rate*

%

3.75 % 25 %

*Interest in reducing balance.

Number of Installments

Months

6 48

Monthly Installment

AED 0

Total interest paid during the loan tenure is AED 0

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Disclaimer

The figures are based on indicative rates selected and are for illustrative purposes only and do not apply to your loan. ADCB rates are subject to change. The computation is based on simulated figures and a number of underlying assumptions and possible rounding-off of figures. Please consult your Relationship Manager/or visit the nearest branch or call 600 50 2030 to ensure that you receive complete information about our loan product.

Enjoy a world-class customer experience when you bank with us.

In order to deliver the service you need we’d like to know more about you, so please complete this form and a member of our team will contact you personally.

Existing customer

Yes

No

Customer ID Enter Valid Customer Id

Name Enter Valid Name

Email Enter Valid Email

Enter a valid number (hint: it starts with ‘5’) Mobile Number

Emirate Select your emirate

Abu Dhabi Dubai Fujairah Ajman Ras Al Khaimah Sharjah Umm al Quwain

Other ways to apply

Contact centre

Call our 24-hour contact centre on 600 50 2030.

Call our 24-hour contact centre on 600 50 2030.

Apply through SMS

SMS 'PIL' to 2626 from your registered mobile number.

SMS 'PIL' to 2626 from your registered mobile number.

Visit us

We will be happy to welcome you at any of our branches. Find the closest branch to you

Personal Loans Personal Loan for Expatriates