Compare personal loans from leading UAE banks across interest rates, salary requirements, fees and tenure. Filter to your situation, then apply with confidence.
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FAQs
Personal loan questions
What is the maximum personal loan I can get in the UAE?
UAE Central Bank rules cap personal loans at 20× monthly salary, with a debt-burden ratio (DBR) of 50%. Practical maximums sit around AED 4M for nationals and AED 2–3M for expatriates at most banks.
How long does approval take?
For salary-transfer customers, many banks give a same-day decision and disburse within 1–3 working days once documents are in. Non-salary-transfer loans typically take longer.
What documents do I need?
Emirates ID, passport with valid visa, salary certificate (or bank statements for non-salary-transfer), and a recent utility bill. Self-employed applicants also need a trade licence and 6–12 months of bank statements.
Will applying hurt my credit score?
Every formal application creates a hard enquiry on your Al Etihad Credit Bureau (AECB) report. Multiple enquiries in a short window can drag your score down, so compare carefully and apply selectively.