ADCB Personal Loans in UAE
Credit Bureau Consent, Welcome Offer & General Terms & Conditions
I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The information provided on this website does not constitute the marketing of any products or services to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Marino, San Marino, Vatican and Isle of man. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals. Find your nearest Citi branch: www.findmyciti.com/ae/. Call us at: +971 4 311 4000.
Address: Citibank UAE, P.O. Box 749, Dubai, United Arab Emirates.

ADCB Personal Loan Details | |
---|---|
Minimum Salary | AED 5000 - AED 10000 per month (depends on the nationality and type of loan) |
Interest Rates | Flat rate: 2.61% - 5.51% | Reducing rate: 5% - 10%, |
Maximum Loan Amount | AED 150K - AED 4000K(depends on the nationality and type of loan) |
Early Settlement Fees | 1% of the outstanding amount |
Arrangement Fees | 1% of the approved loan amount |
Tenure | 12 - 48 months |
Age | 21 - 60 years(Expats) & 65 years(UAE Nationals) |
Features of ADCB Personal Loan
Maximum personal loan that can be availed is up to AED 1,500,000.
Maximum tenure of the loan can be 48 months.
Minimum salary required is AED 5,000.
Salary transfer is mandatory.
Flat rate starts from 2.61% and reducing rate starts from 5%.
- The bank offers a free ADCB credit card along with the loan.
UAE Nationals are offered three times salary overdraft while expats are offered two times salary overdraft.
Consolidation of loans is available.
Instant Personal loan option is provided which helps you apply online and receive funds in your account within seconds.
Fees and Charges on the Loan
The processing fee is 1% of the loan amount (Min. AED 500 and Max. AED 2,500).
You can reschedule the loan for a fee of AED 250.
Instalments can be deferred for AED 100 per deferment.
Eligibility Criteria of ADCB Personal Loan
- Minimum salary AED 5000 is required
- UAE Residents of 21-65 yrs are eligible
- Both self-employed and salaried individuals are eligible
Check here for the Eligibility Criteria of ADCB Personal Loan
Use ADCB Loan Calculator to calculate your EMI of ADCB Personal loans in UAE.
Documents Required of ADCB Personal Loan
- Salary Certificate/Salary transfer letter (Salaried individuals)
- Emirates ID
- UAE Residence Visa(For Expats)
- 3-6 months bank statements
- Address Proofs(Utility bills)
- Passport (Expats)
- Trade licence(Self employed individuals)
ADCB Personal Loan Interest rates

5 ADCB Bank Personal Loans
Islamic Banking Personal Finance For UAE Nationals
Features
- Repayment period is up to 4 years
- Only UAE Nationals can apply for this scheme
- The profit rate starts at 5%
Features
- Repayment period is up to 4 years
- Only UAE Nationals can apply for this scheme
- The profit rate starts at 5%
- Minimum salary of AED 10,000 is required
- It is mandatory to transfer your salary to apply for this scheme
- Finance up to AED 4,000,000
- Early settlement fee is 1.05% of the finance amount
- Takaful fee is 1.05% of the finance amount
- Arrangement fee is 1.05% of loan amount
Benefits
- Get 300 touchpoints on every AED 1000 of the finance provided
- Documentation is simple
- High finance amount is offered
- Takaful insurance coverage is provided
- Free ADCB Islamic banking credit card is provided
- Get 50% OFF on processing fee on applying for the account through ADCB Hayyak App. Also, avail 50,000 Touchpoints on the approval.
Personal Loan for UAE Nationals
Features
- Repayment period is up to 4 years
- Only UAE Nationals can apply for this scheme
- The reduction rate and the flat rate is 5.25% and 2.89%. This denotes that the computation done was a division of the reduction rate by 1.814
Features
- Repayment period is up to 4 years
- Only UAE Nationals can apply for this scheme
- The loan is provided for a interest rate of 5.25%
- Minimum salary of AED 5000 is required
- The reduction rate and the flat rate is 5.25% and 2.89%. This denotes that the computation done was a division of the reduction rate by 1.814
- It is mandatory to transfer your salary to apply for this scheme
- Finance up to AED 1500000
- Early settlement fee is 1.05% of the finance amount
- Takaful fee is 1.05% of the finance amount
- Arrangement fee is 1.05% of loan amount
Benefits
- For every AED 1000 of your insurance amount can earn ADCB TouchPoints
- Documentation is simple
- High finance amount is offered
- Availability of consolidation of loans
- Free ADCB Credit Card will be provided along with this scheme
- Free Credit Life Insurance will be provided along with this scheme
Personal Loan for Expats
Features
- Repayment period is up to 4 years
- The reduction rate and the flat rate is 6% and 3.3%. This denotes that the computation done was a division of the reduction rate by 1.814
- The loan is provided for an interest rate of 6%
Features
- Repayment period is up to 4 years
- The loan is provided for an interest rate of 6%
- Minimum salary of AED 5,000 is required
- The reduction rate and the flat rate is 6% and 3.3%. This denotes that the computation done was a division of the reduction rate by 1.814
- It is mandatory to transfer your salary to apply for this scheme
- Finance up to AED 1,500,000
- Early settlement fee is 1.05% of the finance amount
- Arrangement fee is 1.05% of the loan amount
Benefits
- For every AED 1000 of your insurance amount can earn ADCB TouchPoints
- Documentation is simple
- High finance amount is offered
- Takaful insurance is provided free with the scheme
- Free ADCB Credit Card is provided along with this scheme
- Credit Life Insurance is provided along with this scheme
- Get 50% OFF on processing fee on applying for the account through ADCB Hayyak App. Also, avail 50,000 Touchpoints on the approval.
Salam Personal Finance for Expats
Features
- Only UAE Nationals can apply for this scheme
- Repayment period is up to 4 years
- Profit rates start from 6%
Features
- Only UAE Nationals can apply for this scheme
- Repayment period is up to 4 years
- Profit rates start from 6%
- Minimum salary of AED 5,000 is required
- It is mandatory to transfer your salary to apply for this scheme
- Finance up to AED 1,500,000
- Early settlement fee is 1.05% of the loan amount
- Takaful fee is 1.05% of the finance amount
- Arrangement fee is 1.05% of the finance amount
Benefits
- Documentation is simple
- High finance amount is offered
- Takaful insurance is provided free with the scheme
- Credit Life Insurance is provided along with this scheme
- Get 300 touchpoints on every AED 1000 of the finance provided
- Get 50% OFF on processing fee on applying for the account through ADCB Hayyak App. Also, avail 50,000 Touchpoints on the approval.
Education Finance
Features
- Required to submit bank statement for last 6 months
- Only students can take this finance
- The reduction rate and the flat rate is 10% and 5.51%. This denotes that the computation done was a division of the reduction rate by 1.814
Features
- Required to submit bank statement for last 6 months
- Only students can take this finance
- The loan is provided for a interest rate of 10%
- Minimum salary of AED 8,000 is required
- The reduction rate and the flat rate is 10% and 5.51%. This denotes that the computation done was a division of the reduction rate by 1.814
- It is not mandatory to transfer your salary. However, you get a lower finance amount if salary is not transferred to the bank
- Finance up to AED 250,000
- Early settlement fee is 1.05% of the finance amount
- 0.75% of the loam amount is Takaful fee
- Arrangement fee is 1.05% of loan amount
Benefits
- Primarily designed with high finance amounts for education loan
- For every AED 1000 of your insurance amount can earn ADCB TouchPoints
- This finance is available for both UAE and Abroad based institutes
- Documentation is simple
- Takaful Insurance will be provided along with this scheme
Frequently Asked Questions
⭐ What is the eligibility criteria to apply for Abu Dhabi Commercial Bank(ADCB) personal loan?
A. You need to be minimum 21 years and maximum 60 years to be eligible for ADCB personal loan.
⭐ Who all can get Abu Dhabi Commercial Bank(ADCB) personal loan?
A. Salaried and self-employed individuals living in UAE can avail ADCB personal loan.
⭐ What is the Takaful fee for this finance?
A. The Takaful fee for this finance is 1.05% of loan amount.
⭐ How can I update mobile number and email address in my personal loan application?
A. You may update your account or application by calling ADCB on toll free number 600502030.
⭐ When can I start making my monthly repayments?
A. Monthly repayments on your loan is due one month later from the date of outlay.
⭐ Does ADCB bank permit takeover of loan?
A. Takeover of loan is permitted by ADCB bank but only on the bank's permission .
⭐ How much will processing fees be charged?
A. 1% of the total loan amount approved will be charged as processing fees.
⭐ Everyone is eligible for a free credit life insurance?
A. Yes, both Expats and UAE Nationals get free credit life insurance on a personal loan.
⭐ Do everyone get free ADCB Credit Card?
A. Yes, both Expats and UAE Nationals get free ADCB Credit Card on a personal loan.
⭐ What is the maximum tenure provided for a personal loan?
A. ADCB provides the maximum tenure of 6 years.
⭐ How much is insurance fee charged?
A. 0.5%-1% of insurance fee is charged which depends on the nationality and customers privileges.
⭐ Is debt consolidation facility available?
A. Yes, you can avail debt consolidation facility.
⭐ Can I apply for a personal loan online?
A. Yes, ADCB provides instant personal loan facility where one can apply for a personal loan online.
⭐ Are Expats eligible for an instant personal loan?
A. Yes, Both UAE Nationals and Expats are eligible for an instant personal loan.
⭐ What are the other personal loans available?
A. You can check variouspersonal loan in UAEhere.
⭐ What is the minimum salary required for a personal loan in ADCB?
A. The minimum salary required for a personal loan in ADCB is AED 5000.
⭐ What is the eligibility criteria for a personal loan in ADCB?
A. The eligibility criteria for a personal loan in ADCB is the applicant needs to be an UAE resident with a minimum salary of AED 5000.
⭐ Do ADCB personal loan come under personal banking?
A. ADCB Personal loans are provided under personal banking facilities.
⭐ How do I contact ADCB customer care?
A. You can visit ADCB Customer Care page for the contact details of the bank.
About ADCB
Abu Dhabi Commercial Bank (ADCB), features in the Forbes list of top 1000 biggest public companies. It provides retail, commercial, Islamic banking and other financial services to people. Founded in 1985 and headquartered in Abu Dhabi, UAE, the bank operates on five strategic pillars:
- UAE-centric approach with controlled internationalization
- Sustainability through growth of liabilities
- Culture of efficiency and service excellence
- Follow a pre-defined risk strategy
- Focuses on staff
ADCB offers three categories of services:
- Aspire
- Privilege Club
- Excellency
The services and charges vary depending on the category in which you choose to bank with them.
Get in touch with ADCB Customer Care
Ask questions and share your comments
We encourage our users to have discussion on questions they might have on financial products and help other users by sharing their insights. Kindly help us in making this site useful. We don't encourage any spam posts here. This is a public forum, so we request you to be safe by not disclosing personal information such as bank account or phone numbers etc. Please follow our posting guidelines. All the comments posted under MyMoneySouq official account are not reviewed by the financial institutions.
x
MyMoneySouq's Robo Advisor
Was my answer helpful ?
Thank you for your feedback
