Personal Loans Personal Loan for Expatriates

ADCB

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.

6.25% From
Interest rate
starting from 6.25% interest rate per annum
2X Up to
Salary overdraft
with flexible eligibility criteria
200
TouchPoints
for every AED 1,000 of loan amount

Keep in mind

  • Additional one-time fee is applicable for life insurance cover.
  • Option to avail involuntary job loss cover (ILOE) for an additional monthly fee.
  • 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.
Key benefits

  • High salary multiples
  • Competitive interest rates
  • Loan consolidation available
  • Simple documentation
  • Credit life insurance
  • Involuntary loss of Employment cover - click here for details
  • Free ADCB Credit Card
  • Up to two times salary overdraft

TouchPoints

TouchPoints awarded on loan amount (AED 10,000 and above) are as follows:

  • 200 TouchPoints will be earned for every AED 1,000 of loan amount, when loan amount is AED 150,000 or less.
  • 300 TouchPoints will be earned for every AED 1,000 of loan amount, when loan is above AED 150,000.

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

Monthly Installment Calculator
Click on the text box to enter your desired value. AED
AED 5000 AED 1000000
% Click on the text box to enter your desired value.
3.75 % 25 %
*Interest in reducing balance.
Months Click on the text box to enter your desired value.
6 48
Monthly Installment
AED 0
Those figures are indicative and are not binding to the bank. They are for illustrative purposes only.

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

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Other ways to apply

Contact centre

Contact centre

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

Apply through SMS

Apply through SMS

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

Visit us

Visit us

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

Branches & ATMs