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.

5.25% From
Interest rate
starting from 5.25% interest rate per annum
3X Up to
Salary overdraft
with flexible eligibility criteria
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.
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.


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.

Enjoy world-class and a superior 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.
  • We guarantee a response in 24 hours
  • Get in touch during opening hours (8am to 3pm from Sunday to Thursday and 8am to 1pm on Saturday). Alternatively, visit one of our mall branches between 10am to 10pm
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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 receive you in any of our branches.

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