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 Tenor and flexible eligibility criteria.

5.24% From
Interest rate
starting from 5.24% interest rate per annum
300 Up to
for every AED 1,000 of loan amount

Instant personal loans

Quick. Convenient. Digital

New to ADCB?
Get your personal loan instantly with our Hayyak App. Experience a streamlined, digital application process that’s as quick as it is easy. No more waiting, no more paperwork. Click here to know more

Already with ADCB?
Get instant personal loan 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

  • 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 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!

App Store Google Play App Gallery

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

Total interest paid during the loan Tenor is AED 0


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.

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Salaried Self Employed Housewife Student Pensioner
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Thank you

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One of our representatives will call you back within 24 hours.

Other ways to apply

Contact centre

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

Apply through SMS

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