Apply for an Emirates NBD personal loan

How to apply, the documents you need and how to track your application

Why take a personal loan?

A personal loan can be used for large purchases, emergency expenses and so much more.

Some of the top reasons people take personal loans are for home upgrades or moving house, going on a holiday, purchasing expensive appliances or other equipment, wedding expenses and even college expenses. 

Emirates NBD personal loans can help you with anything you need extra cash for. Our application process is simple and quick with minimal documentation. You can get pre-qualified right away.


To apply for a personal loan, you should be:

  • a UAE national or a UAE resident
  • between 21 and 60 years old
  • earning a minimum salary of AED 5,000
  • working for a company that falls under our approved list of employers
  • If you’re self-employed, your business should be operational for at least 2 years and you must have a minimum 6-month balance of at least AED 50,000.

    Learn more here.

    If you’d like to talk to us, fill in this form and one of our personal loan experts will call you back.

Documents required

The bank requires the following documents to process your personal loan. If you don’t have any of them, or if you have any questions, please visit a branch and we’ll be happy to help.

  • Your passport
  • A valid UAE residency visa and Emirates ID with copies
  • Staff ID, Labor Card or Work ID
  • Your latest salary certificate
  • Last 3-month bank statement
  • A security cheque

Note: If additional documents are required, we’ll inform you during the application process.

Apply for a personal loan in minutes

If you’re self-employed, you can apply for a personal loan only through our website or by visiting one of our business banking centres.

Choose one of the following options to apply for a personal loan now:


Fees and charges

Here are the fees and charges for a personal loan:

  • Loan Processing Fee: 1.05% of the loan amount (inclusive of VAT), or a minimum of AED 500 and a maximum AED 2,500 + VAT.
  • Credit Life Insurance Coverage: Free of charge

Read more about our fees and charges.


A personal loan can be used for a variety of reasons. It can help finance big purchases or can be used for home renovation, holiday expenses, emergencies, wedding expenses, education fees, or even debt consolidation if the interest rate is attractive enough.

EMI stands for Equated Monthly Installments. It’s the amount you pay back to the bank every month until you pay off the total loan amount due. The EMI is calculated considering the loan amount, the tenure of the loan and the interest rate on the borrowed sum.

The money will be credited to your Emirates NBD account after deducting fees and charges. In case you hold multiple accounts with us, we will credit your loan amount to the account which was specified in your loan application.

If you do not hold an account with us, the loan amount will be issued as a manager’s cheque towards the account you hold at another local bank.

The maximum amount and tenure for a personal loan will vary based on your age, salary, employment tenure and length of relationship with the bank.

The maximum tenure for a self-employed individual is 4 years.