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You must be more than 18 years old and have:
An active UAE mobile number
An Emirates ID
Your passport
Proof of income
A minimum salary of AED 5,000
Salary Transfer Loans for Expats
Personal Loans for Expats are now easy and convenient at competitive interest rates on salary transfer.
We know that you never stop dreaming. Whether your goals are simple and small or expansive and big, we have the right loan package for you. Our easy loans process, online eligibility check and getting pre-qualified instantly, helps you plan your finances in time.
Attractive Fixed interest rates starting from 3.03%* p.a. flat
Loan amounts up to AED 2 Million
Attractive Flexi interest rates starting from 2.79%** p.a. flat
Terms and conditions apply.
*equivalent to 5.69% p.a. reducing
**equivalent to 5.24% p.a. reducing
Want to calculate the monthly installments for your Personal Loan?
No collateral or guarantor required
Free Bank Account with no minimum balance requirement
How much would you like to borrow?
Amount AED
AED 30,000 AED 4,000,000
Tenor Months
1 year 4 years
AED 5,005
Your approximate 'Equated Monthly Installments (EMI)'
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.
Switch your Personal Loan
Want to save money on your existing Personal Loan from another bank? Transfer Now & Save.
You can now transfer your Personal Loan with other banks to us at competitive rates. Your monthly installments will reduce and you can save more by Switching your Loan to Emirates NBD. Apply now and take advantage of our attractive interest rates and high loan amounts with added benefits.
Fixed Rate - starting from 5.29% p.a. (reducing), 2.81% p.a. (flat)
Flexi Rate - starting from 5.24% p.a. (reducing), 2.79% p.a. (flat)
Salary: Minimum AED 5,000
Length of service: Zero
Loan amount: from AED 25,000 to 2 Million
Tenor: 12 Months up to 48 Months
Top-ups for Personal Loan
Want to do more with your funds? Top-up now!
We understand that the need for additional funds can arise at any time. Hence, we created the Top-up Programme for Personal Loans for our customers paying their loan regularly. You can now request to top-up your existing Personal loan with us and take advantage of many offers and benefits.
Competitive Fixed & Flexi interest rates can be offered
All existing Personal Loan customers who have paid a minimum of 3 months* loan installments
*Terms & Conditions apply
Credit life Insurance (CLI)
Eligibility
Minimum salary requirement : AED 5,000
Minimum Length of Service : Zero
Salary should be transferred to Emirates NBD
Employer must be on Emirates NBD's Approved List of companies
Required Documents
Find out the list of documents required with your Personal Loan application:
- New Loan
- Valid Passport Copy with Resident Visa page & Emirates ID
- Latest Salary Certificate / Salary Transfer Letter
- Undated Security Cheque
- Latest 3 Months Bank statement
- DDS Registration Form
- Switch Loan
- Valid Passport Copy with Resident Visa page & Emirates ID
- Latest Salary Certificate / Salary Transfer Letter
- Latest 3-6 months bank statements
- Undated Security Cheque
- Liability letter from existing bank from where loan has been taken
- Top-up Loan
- Valid Passport Copy with Resident Visa page & Emirates ID
- Latest Salary Certificate / Salary Transfer Letter
- Undated Security Cheque
- This document checklist contains the list of all the essential documents required to process your request.
- If any of the required documents as per the checklist are missing, the process of the application may be delayed.
- Additional documents may be required at the Bank's sole discretion.
- Please ensure all documents are in order as per the checklist before visiting the branch, for quick processing and faster turnaround times.
Terms & Conditions:
Additional Notes:
Get your personal loan with incredible offers and low interest rates
Start and grow your banking relationship today with the Best Retail Bank in the Middle East and get rewarded.
7-day Loan Return Option
Customers who are not satisfied after the personal loan is disbursed have the option to return the loan for free with the waiver of all fees and charges accrued. Following are the conditions:
- Customer must notify the sales agent / bank within 7 calendar days
- The loan proceeds credited in the customer's account should be available and not withdrawn after disbursal, which means from the date of credit until the date the loan is returned
- The loan amount credited in the customer's accounts should be available and the offer is valid only for fresh cases, without liability settlements (Not applicable on Top Up's and Take Over/Transferred loans from other banks)
Credit life Insurance (CLI)
Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.
*Subject to Terms of the policy, Terms & Conditions apply.
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