What is the lowest personal loan rate in UAE?

Personal loan rates in UAE start from around 5.25% reducing per annum for salary-transfer customers at major banks like Emirates NBD, ADCB, and FAB. Rates depend on your salary, employer category, AECB score, and loan amount.

What is the maximum personal loan I can get in UAE?

Most UAE banks cap personal loans at 20x your monthly salary. So if you earn AED 15,000/month, the maximum loan is around AED 300,000. The absolute cap is AED 500,000 for nationals and AED 250,000–400,000 for expats, set by the UAE Central Bank.

What is the minimum salary for a personal loan in UAE?

Most banks require AED 5,000–8,000 minimum monthly salary. Some Islamic finance products start from AED 3,000. Salary transfer to the lending bank typically gets you the best rates and higher approval odds.

Can I prepay a personal loan in UAE?

Yes, but most banks charge an early settlement fee of 1% of the outstanding balance (capped at AED 10,000 by Central Bank regulation). Some Islamic banks waive this. Always check the early settlement clause before signing.

Is Islamic personal finance cheaper than conventional loans?

Islamic personal finance (Murabaha, Tawarruq) is structured differently — there's no 'interest' but a profit rate. The effective cost is usually similar to a conventional loan. The main difference is Sharia compliance, not price. Compare profit rates and fees across both before deciding.

Home/Personal Loans

Personal Loans in UAE

Compare 14 personal loan offers from top UAE banks — updated May 2026

Filter and calculate EMI

Monthly Salary (AED)

Loan Amount (AED)

Tenure (months)

Nationality

Islamic finance only

14 loans match your criteria

Sort byLowest RateLowest EMIHighest Limit

Quick tips

Reducing rate is cheaper than flat rate
Check if salary transfer is required
Some banks approve in 24 hours
Islamic finance = no riba (interest)
Compare total payable, not just EMI

Home loans

Mortgages from 4.15% p.a.

Compare mortgages →

14 resultsSorted by lowest rate

ADCBBest Rate

Personal Loan

Rate (Reducing)

5.25% p.a.

Max Loan

AED 500,000

Min Salary

AED 5,000

Processing Fee

1% (min AED 500)

Monthly EMI

AED 4,398

Total interest

AED 5,560

Total payable

AED 105,560

Quick approvalBalance transfer availableNo salary transfer requiredEarly settlement: 1% of outstanding

Apply on ADCB site →

Abu Dhabi Islamic BankIslamic

Personal Finance

Rate (Reducing)

5.45% p.a.

Max Loan

AED 2,000,000

Min Salary

AED 4,000

Processing Fee

Free

Monthly EMI

AED 4,407

Total interest

AED 5,776

Total payable

AED 105,776

vs Best Rate

+AED 9/mo

Sharia compliantZero processing feeUp to 60 monthsEarly settlement: No penalty

Apply on Abu Dhabi Islamic Bank site →

Emirates NBDTop Pick

Personal Finance

Rate (Reducing)

5.49% p.a.

Max Loan

AED 4,000,000

Min Salary

AED 5,000

Processing Fee

1% of loan

Monthly EMI

AED 4,409

Total interest

AED 5,819

Total payable

AED 105,819

vs Best Rate

+AED 11/mo

Top-up availableSalary transfer requiredHigh loan limitEarly settlement: 1% (free after 1yr)

Apply on Emirates NBD site →

Dubai Islamic BankIslamic

Al Islami Personal Finance

Rate (Reducing)

5.5% p.a.

Max Loan

AED 4,000,000

Min Salary

AED 3,000

Processing Fee

Monthly EMI

AED 4,410

Total interest

AED 5,830

Total payable

AED 105,830

vs Best Rate

+AED 11/mo

Sharia compliantLow min salaryMurabaha structureEarly settlement: No penalty

Apply on Dubai Islamic Bank site →

Commercial Bank of Dubai

Personal Loan

Rate (Reducing)

5.5% p.a.

Max Loan

AED 500,000

Min Salary

AED 6,000

Processing Fee

Monthly EMI

AED 4,410

Total interest

AED 5,830

Total payable

AED 105,830

vs Best Rate

+AED 11/mo

Fast disbursementFlexi repaymentOnline applicationEarly settlement: 1%

Apply on Commercial Bank of Dubai site →

FAB

Personal Loan

Rate (Reducing)

5.75% p.a.

Max Loan

AED 500,000

Min Salary

AED 7,000

Processing Fee

1% of loan

Monthly EMI

AED 4,421

Total interest

AED 6,099

Total payable

AED 106,099

vs Best Rate

+AED 22/mo

48-hour approvalTop-up facilityFlexible repaymentEarly settlement: 1%

Apply on FAB site →

Emirates IslamicIslamic

Personal Finance

Rate (Reducing)

5.99% p.a.

Max Loan

AED 500,000

Min Salary

AED 5,000

Processing Fee

Monthly EMI

AED 4,432

Total interest

AED 6,359

Total payable

AED 106,359

vs Best Rate

+AED 33/mo

Sharia compliantSame-day approvalSalary transfer not mandatoryEarly settlement: No penalty

Apply on Emirates Islamic site →

MashreqZero Fee

Personal Finance

Rate (Reducing)

5.99% p.a.

Max Loan

AED 500,000

Min Salary

AED 5,000

Processing Fee

Free

Monthly EMI

AED 4,432

Total interest

AED 6,359

Total payable

AED 106,359

vs Best Rate

+AED 33/mo

Zero processing feeOnline applicationSame-day disbursementEarly settlement: 1%

Apply on Mashreq site →

RAKBANK

Personal Loan

Rate (Reducing)

6.25% p.a.

Max Loan

AED 300,000

Min Salary

AED 3,000

Processing Fee

1.5%

Monthly EMI

AED 4,443

Total interest

AED 6,640

Total payable

AED 106,640

vs Best Rate

+AED 45/mo

Lowest salary requirementNo salary transferExpat friendlyEarly settlement: 1%

Apply on RAKBANK site →

WIO BankDigital

Personal Loan

Rate (Reducing)

6.49% p.a.

Max Loan

AED 200,000

Min Salary

AED 5,000

Processing Fee

Free

Monthly EMI

AED 4,454

Total interest

AED 6,900

Total payable

AED 106,900

vs Best Rate

+AED 56/mo

100% digitalInstant decisionNo branch visit neededEarly settlement: No penalty

Apply on WIO Bank site →

HSBCExpat only

Personal Loan

Rate (Reducing)

6.49% p.a.

Max Loan

AED 500,000

Min Salary

AED 7,500

Processing Fee

Monthly EMI

AED 4,454

Total interest

AED 6,900

Total payable

AED 106,900

vs Best Rate

+AED 56/mo

Expat specialistGlobal account linkPremier bankingEarly settlement: 1%

Apply on HSBC site →

Standard CharteredExpat only

Personal Loan

Rate (Reducing)

6.5% p.a.

Max Loan

AED 500,000

Min Salary

AED 8,000

Processing Fee

Monthly EMI

AED 4,455

Total interest

AED 6,911

Total payable

AED 106,911

vs Best Rate

+AED 56/mo

Digital applicationWorldwide coveragePremium bankingEarly settlement: 1%

Apply on Standard Chartered site →

CitibankExpat only

Personal Loan

Rate (Reducing)

6.75% p.a.

Max Loan

AED 250,000

Min Salary

AED 8,000

Processing Fee

Free

Monthly EMI

AED 4,466

Total interest

AED 7,182

Total payable

AED 107,182

vs Best Rate

+AED 68/mo

No processing feeOnline approvalInternational coverageEarly settlement: 1%

Apply on Citibank site →

United Arab Bank

Personal Finance

Rate (Reducing)

6.99% p.a.

Max Loan

AED 250,000

Min Salary

AED 5,000

Processing Fee

Monthly EMI

AED 4,477

Total interest

AED 7,443

Total payable

AED 107,443

vs Best Rate

+AED 78/mo

Quick processingFlexible termsSharjah-based bankEarly settlement: 1%

Apply on United Arab Bank site →

Disclaimer: Rates are indicative and subject to change. Actual rate depends on your credit score, employer, and bank policy. Always verify with the bank before applying. Full disclaimer

Official data sources

Last refreshed May 2026

UAE Central Bank AECB Credit Bureau MOHRE Labour Law

Personal loan data sourced from official UAE government and institutional websites. Rates are indicative — always verify directly with the institution before applying.

Full disclaimer Report incorrect data