Personal Loans Personal Loan for UAE Nationals


A customised solution that suits your ambitions

Our customised loan packages for UAE nationals offer attractive interest rates, higher salary multiples, extended loan tenure and flexible eligibility criteria.

4.49% From
Interest rate
starting from 4.49% interest rate per annum
3X Up to
Salary overdraft
with flexible eligibility criteria
300 Up to
for every AED 1,000 of loan amount

Keep in mind

  • 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 for details.

Get a Personal Loan within 10 minutes through the ADCB Hayyak app

You will also receive a 50% discount on processing fees in addition to 50,000 bonus TouchPoints when applying through the app.

Download the ADCB Hayyak app now!

Get a Personal Loan within 10 minutes through the ADCB Hayyak app
Key benefits

  • High salary multiples
  • Competitive interest rates
  • Loan consolidation available
  • Simple documentation
  • Credit life insurance
  • Free ADCB Credit Card
  • Up to 3 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

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, 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
You will need to pay AED as up-front payment for the mortgage loan.
Click on the text box to enter your desired value. AED
AED 5000 AED 4000000
% 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 60
Monthly Installment
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.

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.
Enter Valid Customer Id
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Select your emirate
Abu Dhabi Dubai Fujairah Ajman Ras Al Khaimah Sharjah Umm al Quwain
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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