Salary Transfer Loans for Emiratis

Personal Loans for UAE Nationals starting at low interest rates on salary transfer

Our easy loans application process, higher loan amounts, discount on fees, competitive interest rates help you plan your finances

Attractive interest rates

Loan amounts up to AED 4 Million

Free insurance & processing fee

Apply now

Terms and conditions apply.
*Rates and benefits will be applicable based on the customers segment, their eligibility and borrowing capacity as per the banks credit policy and central bank regulation.

Salary Transfer Loans for Emiratis

Get your loan

A personal banking loan to suit your needs

Key features and benefits

Loan amount up to AED 4 Million
First payment deferment up to 120 days
7 days return option
Free Zero balance account
Avail up to 2 non-consecutive deferments in a loan cycle
Loan tenure up to 48 months (60 months. for Ministry of Defense employees)
Increase your loan eligibility with additional source of income

Apply for a loan now

I want to borrow

AED 25,000 AED 4,000,000

12 months 48 months

You can borrow AED {0} Personal Loan

with monthly payments as low as

AED

Tentative rate: 5.99% reducing p.a.

Rates and benefits will be applicable based on the customers segment, eligibility and borrowing capacity as per the banks credit policy and central bank regulation.

Transfer your personal loan from another bank to Emirates NBD

Key features and benefits

Reduce your installments, take advantage of better interest rates and consolidate multiple debts into one easy monthly payment

Competitive interest rates
Consolidate multiple debts into one easy monthly payment
First payment deferment up to 120 days
Free Zero balance account
Avail up to 2 non-consecutive deferments in a loan cycle
Loan tenure up to 48 months (60 months. for Ministry of Defense employees)
Increase your loan eligibility with additional source of income

Move your loan now

I want to borrow

AED 25,000 AED 4,000,000

12 months 48 months

You can borrow AED {0} Personal Loan

with monthly payments as low as

AED

Tentative rate: 5.99% reducing p.a.

Rates and benefits will be applicable based on the customers segment, eligibility and borrowing capacity as per the banks credit policy and central bank regulation. .

Top-up your existing loan with us for extra cash

Key features and benefits

No minimum EMI payment on your existing loan is required to apply for a top-up
Zero early settlement fee on top ups
Loan amount up to AED 4 Million
First payment deferment up to 120 days
Avail up to 2 non-consecutive deferments in a loan cycle
Loan tenure up to 48 months (60 months. for Ministry of Defense employees)
Increase your loan eligibility with additional source of income

Top up your loan

I want to borrow

AED 25,000 AED 4,000,000

12 months 48 months

You can borrow AED {0} Personal Loan

with monthly payments as low as

AED

Tentative rate: 5.99% reducing p.a.

Rates and benefits will be applicable based on the customers segment, eligibility and borrowing capacity as per the banks credit policy and central bank regulation. .

Benefits of getting a loan with Emirates NBD

Credit Life Insurance

An insurance for your outstanding loan to protect you in case of an eventuality

7 day loan return

Return your personal loan to the bank even after it's credited to your account

Debt consolidation

Lighten your financial payments with our One Pay facility

AECB score

Process your application faster with a good AECB score

Co-applicant program

Increase your eligibility by applying with a salaried spouse or a family members

Easy loan applications

Getting a loan with us is the smart thing to do

Eligibility

Minimum salary: AED 5,000

No minimum length of service

Salary should be transferred to Emirates NBD

Applicable for Listed & Non-Listed Companies

Documents required to apply

For new loans

Valid passport copy with Idbara page
Emirates ID
Latest salary certificate or salary transfer letter
Undated security cheque
Last 3-months bank statement

For switching your loan

Valid passport copy with Idbara page
Emirates ID
Latest salary certificate or salary transfer letter
Undated security cheque
Last 3 to 6-month bank statement
Liability letter from the bank of the existing loan

For topping up your loan

Valid passport copy with Idbara page
Emirates ID
Latest salary certificate or salary transfer letter
Undated security cheque

Additional notes

Please ensure you have all the documents required are valid and provided to process your application faster
We may require additional documents, if needed, based on the bank’s discretion

For new loans

Valid passport copy with Idbara page
Emirates ID
Latest salary certificate or salary transfer letter
Undated security cheque
Last 3-months bank statement

For switching your loan

Valid passport copy with Idbara page
Emirates ID
Latest salary certificate or salary transfer letter
Undated security cheque
Last 3 to 6-month bank statement
Liability letter from the bank of the existing loan

For topping up your loan

Valid passport copy with Idbara page
Emirates ID
Latest salary certificate or salary transfer letter
Undated security cheque

Additional notes

Please ensure you have all the documents required are valid and provided to process your application faster
We may require additional documents, if needed, based on the bank’s discretion

Apply for an Emirates NBD loan and be part of the most innovative bank in the region

What our customers are saying:

"The loan approval time was very good. They have approved the loan within 2 or 3 days."

Apply now

Support

How can we help?

Applying for a personal loan
Applying for a personal loan top-up

Early loan settlement
Partial loan settlement

Direct debit for loans
Restructure your loan

Are you struggling financially?
Defer your loan payments

Our accessible and inclusive banking services

Have a question? Visit our Help & Support section for answers to your queries.

Borrow wisely – a few things you should know

If you don’t make the monthly payments towards your loan on time, you will incur a late payment fee
Missing repayments can affect your credit score, limiting your ability to access loans or financing in the future
If you refinance your loan or defer your payments, your loan will take longer to pay back and you may pay more interest
If you can’t meet a monthly payment, apply in advance for a deferment. You can do this up to twice a year.

It’s important to read the terms and conditions and know the fees and charges before you apply for a loan.