ADIB Personal Loan Eligibility

Minimum Salary

Interest Rate

Loan Amount

Reducing Rate

Abu Dhabi Islamic Bank

ADIB provides all the finance related services using Islamic principles. It provides personal loan with various benefits like free ADIB Cashback card and takaful cover.

Eligibility criteria for ADIB

  • Minimum salary of AED 8000 is required
  • Both UAE Nationals and Expats are eligible
  • Length of service: Minimum 3-6 months of duration at work

What influences Eligibility?

  • Age Limit- Minimum age of 21 and maximum age of 60(Expats), 65(UAE Nationals)is mandatory.
  • Length of work service- UAE Nationals without at least 3 months of duration at work and xpats without minimum 6 months of work service are not eligible.
  • Monthly income- If your monthly income is less than AED 8000 then the bank doesn’t approve your loan.
  • Credit report- Your previous or existing loans and credit cards can affect your current loan approval. Low credit score applications can be rejected.
  • 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.
    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 your loan approval chances

  • 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 length of service required for expats?

A. For expats minimum length of service of 6 months is mandatory.

Q. Can I postpone any installment?

A. Yes, You can postpone maximum two installments every year.

Q. Can I delay my first installment payment?

A. Yes, You will get a grace period of 90 days to pay your first installment.

Q. Do I get any benefits?

A. You will be getting anADIB Cashback Credit Cardfree for the first year.

Q. Is insurance available for the ADIB Personal loan?

A. Yes, you will get takaful cover protection.

Check the list of ADIB Personal loans.