Check Eligibility for ADIB
Personal Loan

You are eligible to apply for a ADIB
Personal Loan .

You may not be eligible * to apply.

* Minimum salary AED 8000 required to apply for a ADIB Personal Loan .

*No loan for :User_Nationality available in this page

Click here to check from other banks.

ADIB Personal Loan Calculator

Personal Loan Provided By ADIB

Last Updated on 10-10-2019

Check Eligibility for ADIB Personal Loan

You are eligible to apply for a ADIB
Personal Loan .

You may not be eligible * to apply.

* Minimum salary AED 8000 required to apply for a ADIB Personal Loan .

Click here to check loans from other banks.

ADIB Personal Loan Calculator

ADIB Smart Account
ADIB Personal Loan Details
Minimum Salary AED 8000 - AED 10000 per month (depends on the nationality and type of loan)
Maximum Loan Amount AED 250K - AED 3000K(depends on the nationality and type of loan)
Early Settlement Fees 1% of the outstanding amount
Arrangement Fees 0%-1% of the approved loan amount
Tenure 36 - 48 months
Age 21 - 60 years(Expats) & 65 years(UAE Nationals)
Profit Rates Flat rate: 3.44% - 3.85% | Reducing rate: 6.25% - 6.99%

Features of ADIB Personal Loan

  • Optional Takaful cover protection is provided on competitive rates
  • The maximum amount of loan that can be availed from ADIB is: 

    UAE Nationals – AED 3 million and Expatriates – AED 1 million
  • Interest rates starts from 3.44%(flat rate) and 6.25%(reducing rate)
  • A maximum tenure of 4 years is provided 

Eligibility Criteria of ADIB Personal Loan

  • Salary of minimum AED 8,000 per month
  • Minimum age 21 years
  • Maximum age 60 years for expatriates and 65 years for UAE Nationals
  • Both UAE Nationals and Expats are eligible
  • Length of service at work must be at least 3 months for UAE Nationals and 6 months for Expats

Click here for the Eligibility Criteria of Abu Dhabi Islamic Bank Personal Finance

ADIB Personal Loan Profit Rates

ADIB Bank

10 ADIB Bank Personal Loans

Boat Finance for Expats

minimum salary

Minimum Salary

AED 10K

flat rate

Flat Rate

3.85%

reducing rate

Reducing Rate

6.99%

loan amount

Loan Amount

AED 1000K

early settlement fee

Early Settlement Fee

1%

arrangement fee

Arrangement Fee

1%

minimum salary

AED 10K

Minimum Salary

flat rate

3.85%

Flat Rate

reducing rate

6.99%

Reducing Rate

loan amount

AED 1000K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

1%

Arrangement Fee

Advantages
  • Free ADIB Visa Cashback card
  • High finance amount is provided
  • No collateral required for finance up to AED 200K
Advantages
  • Free ADIB Visa Cashback card
  • High finance amount is provided
  • No collateral required for finance up to AED 200K

Overview

  • Free ADIB VISA Cashback Card will be provided
  • Can postpone up to 2 installments per year
  • Can avail high finance
  • Low minimum salary requirement
  • Competitive interest rates
  • Salary transfer is required

View details on bank page

Education Finance for Expats

minimum salary

Minimum Salary

AED 8K

flat rate

Flat Rate

3.85%

reducing rate

Reducing Rate

6.99%

loan amount

Loan Amount

AED 250K

early settlement fee

Early Settlement Fee

1%

arrangement fee

Arrangement Fee

1%

minimum salary

AED 8K

Minimum Salary

flat rate

3.85%

Flat Rate

reducing rate

6.99%

Reducing Rate

loan amount

AED 250K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

1%

Arrangement Fee

Advantages
  • Postpone installments
  • Free ADIB Visa Cashback Credit card for 1yr
  • Covers tuition fees, books, transportation, etc.
Advantages
  • Postpone installments
  • Free ADIB Visa Cashback Credit card for 1yr
  • Covers tuition fees, books, transportation, etc.

Overview

  • Free credit card is provided
  • Can postpone installments
  • It is required to transfer your salary
  • Provides finance for tuition fees, book fees, transportation, etc.
  • Low-interest rates are charged
  • Takaful protection is not mandatory
  • Long repayment period i.e. 4 years is provided
  • Only Expats are eligible

View details on bank page

Education Finance for UAE Nationals

minimum salary

Minimum Salary

AED 8K

flat rate

Flat Rate

3.72%

reducing rate

Reducing Rate

6.75%

loan amount

Loan Amount

AED 250K

early settlement fee

Early Settlement Fee

1%

arrangement fee

Arrangement Fee

1%

minimum salary

AED 8K

Minimum Salary

flat rate

3.72%

Flat Rate

reducing rate

6.75%

Reducing Rate

loan amount

AED 250K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

1%

Arrangement Fee

Advantages
  • Postpone installments
  • Free ADIB Visa Cashback Credit card
  • Covers tuition fees, books, transportation, etc.
Advantages
  • Postpone installments
  • Free ADIB Visa Cashback Credit card
  • Covers tuition fees, books, transportation, etc.

Overview

  • Free credit card is provided
  • Can postpone loan installments
  • It is required to transfer your salary to the bank account
  • Provides finance for tuition fees, book fees, transportation, etc.
  • Low-interest rates are charged
  • Takaful protection is not mandatory
  • Long repayment period i.e. 4 years is provided
  • Only UAE Nationals are eligible

View details on bank page

Travel Finance for UAE Nationals

minimum salary

Minimum Salary

AED 8K

flat rate

Flat Rate

3.72%

reducing rate

Reducing Rate

6.75%

loan amount

Loan Amount

AED 250K

early settlement fee

Early Settlement Fee

1%

arrangement fee

Arrangement Fee

1%

minimum salary

AED 8K

Minimum Salary

flat rate

3.72%

Flat Rate

reducing rate

6.75%

Reducing Rate

loan amount

AED 250K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

1%

Arrangement Fee

Advantages
  • Can postpone installments
  • Free ADIB Visa Cashback Credit card for 1yr
  • Quick processing & approval
Advantages
  • Can postpone installments
  • Free ADIB Visa Cashback Credit card for 1yr
  • Quick processing & approval

Overview

  • Can get finance to fund your travel
  • Free cashback credit card is provided
  • No annual fees are charged on the credit card for the first year
  • Takaful cover for competitive rates is provided
  • It is not mandatory to get takaful protection
  • Maximum tenure provided is 3 years
  • Can postpone loan installments on no charges

View details on bank page

Travel Finance for Expats

minimum salary

Minimum Salary

AED 8K

flat rate

Flat Rate

3.85%

reducing rate

Reducing Rate

6.99%

loan amount

Loan Amount

AED 250K

early settlement fee

Early Settlement Fee

1%

arrangement fee

Arrangement Fee

1%

minimum salary

AED 8K

Minimum Salary

flat rate

3.85%

Flat Rate

reducing rate

6.99%

Reducing Rate

loan amount

AED 250K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

1%

Arrangement Fee

Advantages
  • Can postpone installments
  • Free ADIB Visa Cashback Credit card for 1yr
  • Quick processing & approval
Advantages
  • Can postpone installments
  • Free ADIB Visa Cashback Credit card for 1yr
  • Quick processing & approval

Overview

  • Free cashback credit card is provided
  • No annual fees are charged on the credit card for the first year
  • Takaful cover for competitive rates is provided
  • It is not mandatory to get takaful protection
  • Maximum tenure provided is 3 years
  • Can postpone loan installments on no charges

View details on bank page

Boat Finance for UAE Nationals

minimum salary

Minimum Salary

AED 8K

flat rate

Flat Rate

3.72%

reducing rate

Reducing Rate

6.75%

loan amount

Loan Amount

AED 200K

early settlement fee

Early Settlement Fee

1%

arrangement fee

Arrangement Fee

1%

minimum salary

AED 8K

Minimum Salary

flat rate

3.72%

Flat Rate

reducing rate

6.75%

Reducing Rate

loan amount

AED 200K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

1%

Arrangement Fee

Advantages
  • Free ADIB Visa Cashback credit card
  • High finance amount
  • No collateral required for finance up to AED 200K
Advantages
  • Free ADIB Visa Cashback credit card
  • High finance amount
  • No collateral required for finance up to AED 200K

Overview

  • Free ADIB VISA Cashback Card will be provided
  • Can postpone up to 2 installments per year
  • Can avail high finance
  • Low minimum salary requirement
  • Competitive interest rates
  • Salary transfer is required
  • Only UAE nationals are eligible

View details on bank page

Personal Finance for UAE Nationals

minimum salary

Minimum Salary

AED 8K

flat rate

Flat Rate

3.72%

reducing rate

Reducing Rate

6.75%

loan amount

Loan Amount

AED 3000K

early settlement fee

Early Settlement Fee

1%

arrangement fee

Arrangement Fee

0%

minimum salary

AED 8K

Minimum Salary

flat rate

3.72%

Flat Rate

reducing rate

6.75%

Reducing Rate

loan amount

AED 3000K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

0%

Arrangement Fee

Advantages
  • No processing fees
  • Free ADIB Booking.com Signature Card
  • Can postpone 2 installments per year
Advantages
  • No processing fees
  • Free ADIB Booking.com Signature Card
  • Can postpone 2 installments per year

Overview

  • No processing fees are charged
  • Can postpone loan installments without any charges getting levied
  • Should submit latest bank statements
  • Can get grace period before paying the first installment
  • High loan amount can be availed
  • Salary transfer is mandatory
  • Provides a free credit card with no annual fees in the first year

View details on bank page

Debt Settlement for UAE Nationals

minimum salary

Minimum Salary

AED 8K

flat rate

Flat Rate

3.44%

reducing rate

Reducing Rate

6.25%

loan amount

Loan Amount

AED 3000K

early settlement fee

Early Settlement Fee

1%

arrangement fee

Arrangement Fee

0%

minimum salary

AED 8K

Minimum Salary

flat rate

3.44%

Flat Rate

reducing rate

6.25%

Reducing Rate

loan amount

AED 3000K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

0%

Arrangement Fee

Advantages
  • No processing fees
  • Free ADIB Visa Cashback Credit card
  • Can postpone 2 installments per year
Advantages
  • No processing fees
  • Free ADIB Visa Cashback Credit card
  • Can postpone 2 installments per year

Overview

  • No processing fees are charged
  • Applicants must submit liability certificate
  • Free credit card can be availed
  • Can postponement installments
  • The maximum tenure of 4 years is provided
  • Grace period is provided to pay the first installment
  • Can get pre-approval for the loan

View details on bank page

Personal Finance for Expats

minimum salary

Minimum Salary

AED 8K

flat rate

Flat Rate

3.85%

reducing rate

Reducing Rate

6.99%

loan amount

Loan Amount

AED 1000K

early settlement fee

Early Settlement Fee

1%

arrangement fee

Arrangement Fee

0%

minimum salary

AED 8K

Minimum Salary

flat rate

3.85%

Flat Rate

reducing rate

6.99%

Reducing Rate

loan amount

AED 1000K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

0%

Arrangement Fee

Advantages
  • No processing fees
  • Free ADIB Booking.com Signature Card
  • Can postpone 2 installments per year
Advantages
  • No processing fees
  • Free ADIB Booking.com Signature Card
  • Can postpone 2 installments per year

Overview

  • No processing fees are charged
  • Can postpone loan installments without any charges getting levied
  • Should submit latest bank statements
  • Can get grace period before paying the first installment
  • High loan amount can be availed
  • Salary transfer is mandatory
  • Provides a free credit card with no annual fees in the first year

View details on bank page

Debt Settlement for Expats

minimum salary

Minimum Salary

AED 8K

flat rate

Flat Rate

3.44%

reducing rate

Reducing Rate

6.25%

loan amount

Loan Amount

AED 1000K

early settlement fee

Early Settlement Fee

1%

arrangement fee

Arrangement Fee

0%

minimum salary

AED 8K

Minimum Salary

flat rate

3.44%

Flat Rate

reducing rate

6.25%

Reducing Rate

loan amount

AED 1000K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

0%

Arrangement Fee

Advantages
  • No processing fees
  • Free ADIB Visa Cashback Credit card
  • Can postpone 2 installments per year
Advantages
  • No processing fees
  • Free ADIB Visa Cashback Credit card
  • Can postpone 2 installments per year

Overview

  • No processing fees are charged
  • Applicants must submit liability certificate
  • Free credit card can be availed
  • Can postponement installments
  • The maximum tenure of 4 years is provided
  • Grace period is provided to pay the first installment
  • Can get pre-approval for the loan

View details on bank page

Benefits

  • New to bank customers get 1% discount on existing profit rates and zero processing fees
  • Existing customers get 50% discount on processing fee and 0.50% discount on existing profit rates.
  • Free pre-approved ADIB booking.com Signature Card or ADIB Visa Cashback Card (depends on the loan type) on approval of the loan
  • A grace period of 90 days is provided to pay first installment
  • Can postpone 2 installments(per year) without any fees  

Frequently Asked Questions

Q. Is salary transfer mandatory?

A. Yes, your salary must be transferred to your ADIB bank account.

Q. Do we get any grace periods in installment payment?

A. Yes, for your first installment payment you get 3 months grace period.

Q. How many months work service is mandatory?

A. For UAE Nationals minimum 3 months and for Expats minimum 6 months service at work is required.

Q. What benefits do existing customers get on ADIB personal finance?

A. Existing customers get 50% off on the processing fees and 0.50% off on the interest rates.

Q. What benefits do new customers get on the personal loan?

A. For new customers, there is no processing fees charged and get 1% off on the profit rates.

Q. Can I postpone any installment payments?

A. You can skip maximum two installments annually.

Q. Is salary certificate mandatory?

A. Yes, salary certificate is the mandatory document.

Q. What all fees does the educational loan fulfills?

A. Your educational loan includes tuition fees, books fees, examination fees, etc.

Q. Am I eligible to get a personal loan if my company is not listed with ADIB?

A. No, Your company must be listed with the bank and it is mandatory in order to get a personal loan in ADIB. There are other banks providing personal loan in UAE even if the company is not listed.

Q. What is the maximum tenure provided on the loan?

A. The loan is provided for a maximum tenure of 3-4 years(varies with the type of loan).

Q. Is the takaful insurance provided for free?

A. No, the takaful insurance is provided at low premium rates.

Q. Can I get pre-approval for the loan?

A. Yes, you can get pre-approval for free.

Q. Are there any charges levied if the installments are postponed?

A. No. You can postpone up to 2 installments(per annum) for free.

Q. Is the Credit card provided for free lifelong?

A. No, the credit card is provided for free in the first year.

Q. Are non-residents eligible to get a finance from ADIB?

A. No. Non-Residents of UAE are not eligible to get a personal finance from ADIB.

Q. Do I get a refund of the processing fee if I cancel my approved loan?

A. No. The processing fee is non-refundable if you cancel your approved loan.

Q. What are the charges to get the credit score?

A. AED 31.50 is charged by AECB to provide the credit score of an individual.

Q. How do I contact ADIB?

A. You can contact ADIB through various ways. VisitADIB Customer Care for details.

About ADIB

ADIB is a Public Joint Stock company and is one of the largest banks in the UAE region. Its values include transparency in services, an atmosphere of hospitality and tolerance followed by nature of simplicity and sensibility.

ADIB stands as one of the best banks of UAE by carrying out all the transactions, contracts and services by abiding Ismalic Shari'a principles.

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