Salary Transfer Loans for Expats

Bring your dreams to life with our personal loans

Our application process, online eligibility check and instant pre-qualification takes only minutes

Attractive interest rates

Loan amounts up to AED 3 Million

No processing fee

Apply now

Rates and benefits will apply based on customer segment, eligibility and borrowing capacity as per bank policy and UAE Central Bank regulations.

Salary Transfer Loans for Expats

Get your loan

A personal loan for you in times of need

Key benefits and highlights

Defer your first payment for up to 45 days
Get up to 2 non-consecutive deferments in a year
Return your loan in up to 7 days
Maintain a zero-balance account
Get a free credit card for the first year with eligible Miles or Points
No set up fee on overdrafts for the first year
Loan tenure up to 48 months
Borrow more if you have additional income

Apply now

How much do you want to borrow and for how long?

 25,000  3,000,000

12 months 48 months

You can borrow up to  {0} Personal Loan

with monthly payments as low as



Tentative rate: 5.99% reducing p.a.
Rates and benefits will be applicable based on your banking segment, eligibility and borrowing capacity as per bank policy and UAE Central Bank regulations.

Transfer your personal loan from another bank to Emirates NBD

Key benefits and highlights

Competitive interest rates
Consolidate multiple debts into one easy monthly installment
Defer your first payment for up to 45 days
Avail up to 2 non-consecutive deferments in a year
Return your loan in 7 days
Maintain a zero-balance account
Get a free credit card for the first year with eligible Miles or Points
No set-up fee on overdrafts for the first year
Loan tenure up to 48 months
Borrow more if you have additional income

Move your loan

I want to borrow

 25,000  3,000,000

12 months 48 months

You can borrow  {0} Personal Loan

with monthly payments as low as



Effective rate: 5.99% p.a. Terms and conditions apply.

Interest rates vary by tenor & subject to bank policy. This is an estimate based on the amount you are looking to borrow for the selected tenor. The minimum and maximum amounts you can loan along with the minimum and maximum tenor is mentioned on the sliders.

Top up your loan for instant cash

Key benefits and highlights

No minimum EMI required to apply for a top-up
Zero early settlement fee on top-ups
Avail up to 2 non-consecutive deferments in a year
Loan tenure up to 48 months
Borrow more if you have additional income

Top up your loan

I want to borrow

 25,000  3,000,000

12 months 48 months

You can borrow  {0} Personal Loan

with monthly payments as low as



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

Insurance for your outstanding loan amount to protect your family in case of an eventuality

7 day loan return

Changed your mind? Return your loan to the bank even after it’s credited to your account

Debt consolidation

Bring all your debt together and pay back in one easy installment every month with our One Pay facility

AECB score

We will process your application faster if you have a good AECB score

Co-applicant program

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

Easy loan applications

You can count on a simple and quick application process and approval

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 resident visa page
Emirates ID
Latest salary certificate or salary transfer letter
Undated security cheque
Last 3-month bank statement
DDS registration form

For switching your loan

Valid passport copy with resident visa page
Emirates ID
Latest salary certificate or salary transfer letter
Last 3 to 6-month bank statements
Undated security cheque
Liability letter from the bank where your existing loan is from

For topping up your loan

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

Additional notes

Please note:

Submitting correct and valid documents will ensure your application is processed quickly
Additional documents may be required based on the bank’s discretion

For new loans

Valid passport copy with resident visa page
Emirates ID
Latest salary certificate or salary transfer letter
Undated security cheque
Last 3-month bank statement
DDS registration form

For switching your loan

Valid passport copy with resident visa page
Emirates ID
Latest salary certificate or salary transfer letter
Last 3 to 6-month bank statements
Undated security cheque
Liability letter from the bank where your existing loan is from

For topping up your loan

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

Additional notes

Please note:

Submitting correct and valid documents will ensure your application is processed quickly
Additional documents may be required 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."

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.