Apply for a personal loan top-up

Top up your Emirates NBD personal loan quickly via Mobile or Online banking, or visit a branch

Need extra cash urgently?

We understand that you may need extra cash urgently at times, so we've made it easy for you to top up your Emirates NBD personal loan quickly and conveniently. Just log in to Mobile or Online Banking to apply. You can also visit a branch near you or apply via our website.


If you have a loan at another bank which does not offer a top-up loan, you can shift your loan to Emirates NBD by simply applying for a new loan with us and closing the other one.   


You can apply for a loan top-up right away if:

  • You borrowed less than the full amount you are eligible for

  • You borrowed the full amount you are eligible for and you have paid at least 12 EMIs
  • You have never defaulted on payments

Apply now



A processing fee of 1.05% of the incremental loan amount (a minimum of AED 525 and a maximum of AED 2,625) applies.


You can request for a top-up if your salary has increased, but it's always subject to the bank's approval. 

This is subject to a credit review approval by the bank.

You’ll get a top-up only if the loan maturity date is before your retirement age.

This normally happens in 3 to 5 working days.