Personal Loans

Personal loan with extra benefits

Get a New or Top-up your Personal Loan with attractive interest rates

Get a new loan or top up an existing loan with our flexible terms, quick processing and attractive rates.

Loan amount up to AED 4 Million (UAE Nationals) AED 3 Million (Expats)
First payment deferment up to 120* days
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.
*120 days for Emiratis & 60 to 90 days for Residents depending on the loan type
** Free Insurance for Expats. Free Insurance and Processing Fee for UAE Nationals
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Why should you get a loan with Emirates NBD?

Lower interest rates

Compared to market offerings

Debt consolidation

Lighten your monthly payments with our One Pay feature

Free insurance

Free insurance to cover your outstanding in case of an eventuality

Easy top-up

Get additional funds easily with our loan top-ups

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."
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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.

Other loans

Looking for something different?

Home Loans

Be it a new home or rebuilding your existing home, take advantage of affordable EMIs and longer tenures even when you’re waiting for the handover

Know more

Auto loans

Gift yourself a new or used car with our easy loans, flexible payment options and low insurance rates.

Know more

Mutual Funds
We can provide you access to funds in both developed and emerging markets, across all asset classes and major sectors.

Mutual funds disclaimer*

Proceed to the Fund Search Engine

Visit the ENBD Reit website

*By visiting the Fund Search Engine and ENBD Reit website you confirm that you have read and accepted the mutual funds disclaimer.

Fixed Income Securities (Bonds)
We can recommend suitable government and corporate bonds in the GCC and across the globe, selected from a pre-approved list that is updated by our Bonds Research Team on an ongoing basis.

Equities
We can provide you with recommendations for all major and emerging markets, based on in-house, ongoing research carried out by our equities team. We can also advise you on thematic equity portfolios, such as technology, healthcare, and so on, and recommended Sustainable Dividend Equities in the UAE and GCC.

Commodities
We can assist you to invest in gold – either as Gold Certificates or physical gold.

Structured Products
You can invest in our range of structured products, which offer capital protection, yield enhancement or participation in the potential for growth in market value of various securities.

Foreign Exchange
We can advise you on the purchase and sale of numerous currencies, and we also offer Foreign Exchange research and forecasts on all major currencies to allow you to make informed decisions.

7 day loan return

  • Notify the bank or your loan agent  Incase of loan cancellation within 7 days
  • The loan amount should not be withdrawn from your account
  • Valid only for new loans without liability settlements. Not for topped-up loans or loans transferred from other banks
  • Please note that you have to return the loan amount in full. This option is not applicable for partial returns

Debt consolidation

Now, make all your loan and credit card payments through one simple, yet effective solution. It's time to eliminate all your hassles as you cut down on your monthly payments.

  • Enjoy preferential interest rates
  • One manageable payment plan for all your existing debts
  • One single monthly payment for your convenience

Learn more about how debt consolidation works

Apply now

Co-applicant program

  • The main applicant should be employed by a company that is listed with us. The co-applicant can be your parent, spouse, son or daughter, but not sibling
  • Only one co-applicant allowed
  • Minimum monthly salary of the primary applicant should be at least AED 5,000
  • No company listing or salary transfer is required for the co-applicant

AECB score

Having a higher AECB score gives you more benefits

  • No salary transfer requirement
  • It's not mandatory for your company to be listed with us
  • No need to submit bank statements
  • Minimum length of service is not required

Easy loan applications

  • Easy processing and simple documentation
  • Minimum requirements needed to avail a loan
  • Higher AECB score - faster processing and better rates
  • Minimal documentation needed to top up your existing loan

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Emirates NBD Bank (P.J.S.C.) is licensed by the Central Bank of the UAE, Baniyas Road, Deira, P.O. Box: 777, Dubai, UAE

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