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.

5% From
Interest rate
starting from 5% interest rate per annum
3X Up to
Salary overdraft
with flexible eligibility criteria
For a limited period only

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 3 times salary overdraft.

Earn Double TouchPoints

For a limited period, you can now earn double TouchPoints:

  • Earn 400 TouchPoints for every AED 1,000 of loan amount (AED 150,000 or less)
  • Earn 600 TouchPoints for every AED 1,000 of loan amount (above AED 150,000)
Loan Amount TouchPoints that you normally earn TouchPoints earned during the offer period
AED 50,000 10,000 20,000
AED 100,000 20,000 40,000
AED 250,000 75,000 150,000
AED 500,000 75,000* 300,000

*TouchPoints are normally capped at 75,000. The new cap during the offer period is 500,000 TouchPoints.

This offer is valid until 31st March 2020.

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
Click on the text box to enter your desired value. AED
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.
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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

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