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.

4.99% From

Interest rate

starting from 4.99% interest rate per annum

3X Up to

Salary overdraft

with flexible eligibility criteria

300 Up to

TouchPoints

for every AED 1,000 of loan amount

Keep in mind

The profit rate on this page applies to Excellency/ Emirati Excellency customers. The rate shall vary depending on customer segment, profile and loan tenor.
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.

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!

Key benefits

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

Terms and conditions

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

Important Note

Monthly Installment Calculator

Loan Amount

AED

AED 5000 AED 4000000

Interest rate*

%

3.75 % 25 %

*Interest in reducing balance.

Number of Installments

Months

6 60

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 fill this form and a member of our team will contact you personally.

Basic information

Please tell us about yourself

Are you an existing ADCB customer?

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No

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Personal details and Employment details

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

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Salaried Self Employed Housewife Student Pensioner

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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

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^{Personal Loans} Personal Loan for UAE Nationals