ADCB Personal Loan Eligibility

Minimum Salary

Interest Rate

Loan Amount

Reducing Rate

Abu Dhabi Commercial Bank

ADCB provides both conventional banking and Islamic banking services in UAE. it provides personal loan with simple documentation and quick approval.

Eligibility Criteria for ADCB

  • Minimum salary of AED 5000 is required
  • Both UAE Nationals and Expats are eligible
  • Age: 21-65 years are eligible

What influences Eligibility?

  • Monthly income- If your monthly income is less than AED 5000 then the bank doesn’t approve your loan.
  • Age Limit- Minimum age of 21 and maximum age of 60(Expats), 65(UAE Nationals)is mandatory.
  • Length of work- UAE Nationals without at least 3 months of duration at work and expats without minimum 6 months of work service are not eligible.
  • Credit Score- Before approving the loan your credit report will be checked and low credit score is not accepted at all.
  • Documents- Documents like Salary certificate, Passport, Emirates ID, Trade license(If Self employed) are mandatory.
    1. Salary Certificate- Salary Certificate is a mandatory document for any kind of finance as it is a proof of your work and an employment in a company. Bank can ask for a salary certificate or salary certificate letter. For an employee without a salary certificate/Salary certificate letter are not eligible for a personal loan.
    2. Emirates ID- Emirates ID is a proof to confirm your identity. Without Emirates ID banks do not approve the loan.
    3. Trade License- For the self-employed individuals trade license is a mandatory document.

Tips to improve the chances of loan approval

  • Make sure you meet the age limit.
  • Pay your current loans or credit card bills on time so that it won’t disturb your credit score.
  • Maintain all the required mandatory documents.
  • Don’t take more than required finance.
  • It is preferable to go for maximum tenures.


Q. What is the maximum finance provided?

A. For UAE Nationals maximum loan amount of AED 4,000,000 and for Expats AED 1,500,000 will be provided.

Q. What are the benefits I get from the personal loan?

A. Both Emiratis and Expats get a free ADCB Credit Cardand free insurance coverage on the approval of the loan.

Q. Is debt consolidation facility available?

A. Yes, You can consolidate all your debts.

Q. Any Insurance cover is included with the loan?

A. Yes, free credit life insurance will be provided.

Q. What is maximum tenure offered?

A. Maximum tenure of 48 months will be provided.

Check the list of ADCB Personal loans.