Check Eligibility for United Arab
Personal Loan

You are eligible to apply for a United Arab
Personal Loan .

You may not be eligible * to apply.

* Minimum salary AED 6000 required to apply for a United Arab Personal Loan .

*No loan for :User_Nationality available in this page

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United Arab Personal Loan Calculator

United Arab Bank 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.

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Check Eligibility for United Arab Personal Loan

You are eligible to apply for a United Arab
Personal Loan .

You may not be eligible * to apply.

* Minimum salary AED 6000 required to apply for a United Arab Personal Loan .

Click here to check loans from other banks.

United Arab Personal Loan Calculator

United Arab Personal Loan Details
Minimum Salary AED 6000 - AED 10000 per month (depends on the nationality and type of loan)
Early Settlement Fees 1% of the outstanding amount
Arrangement Fees 0.45-1% of the approved loan amount
Tenure 48 months
Age 21 - 60 years(Expats) & 65 years(UAE Nationals)
Interest Rates 5.63%
Maximum Loan Amount AED 2 Million

Features of United Arab Personal Loan

  • Maximum loan amount of AED 2 million is provided
  • Maximum loan tenure of 4 years
  • Interest rates from 5.63% p.a.
  • Minimum monthly salary requirement of AED 6,000
  • Salary transfer is mandatory
  • Pre-approved credit card with no annual fees for the first year is offered to borrowers
  • Quick approvals and simple documentation

UAB offers two types of personal loans :

  • Personal Loans for Emiratis
  • Personal Loans for Expatriates

Fees and Charges

  • Loan processing fee : 1% of the loan amount (Minimum 500 AED and Maximum 2500 AED)
  • Credit Insurance Fee : 1% of the loan amount
  • Loan rescheduling fee : AED 250
  • Early Settlement of loan : 1% of the outstanding loan amount (Maximum 10000 AED)
  • Instalment deferment fee : AED 100
  • Instalment default fee : AED 100

Eligibility Criteria of United Arab Personal Loan

  • Minimum salary of AED 6-10K

Documents Required of United Arab Personal Loan

  • 3-6 months bank statement
  • Salary certificate

United Arab Personal Loan Interest rates

United Arab Bank

3 United Arab Bank Personal Loans

Cash Flow Salary Transfer Personal Loan

Minimum Salary

AED 10K

Flat Rate

2.19%

Reducing Rate

3.99%

Loan Amount

AED 400K

Early Settlement Fee

1%

Arrangement Fee

1%

minimum salary

AED 10K

Minimum Salary

flat rate

2.19%

Flat Rate

reducing rate

3.99%

Reducing Rate

loan amount

AED 400K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

1%

Arrangement Fee

Features

  • Repayment period is up to 4 years
  • The reduction rate and the flat rate is 3.99% and 2.19%. This denotes that the computation done was a division of the reduction rate by 1.814
  • The loan is provided for a interest rate of 3.99%
Apply Now

Features

  • Repayment period is up to 4 years
  • The loan is provided for a interest rate of 3.99%
  • Minimum salary of AED 10,000 is required
  • The reduction rate and the flat rate is 3.99% and 2.19%. 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 400,000
  • Early settlement fee is 1% of loan amount
  • Arrangement fee is 1% of loan amount

Benefits

  • Can get up to AED 400,000 loan amount
  • Repayment period is long
  • Provides finance to applicants who are new to job in UAE. No minimum length of service is required.
Apply Now
View Details

View details on bank page

Personal Loan for UAE Nationals

Minimum Salary

AED 6K

Reducing Rate

5.63%

Loan Amount

AED 2000K

Early Settlement Fee

1%

Arrangement Fee

1%

minimum salary

AED 6K

Minimum Salary

reducing rate

5.63%

Reducing Rate

loan amount

AED 2000K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

1%

Arrangement Fee

Features

  • Repayment period is up to 4 years
  • Only UAE Nationals can apply for this scheme
  • The interest rate starts at 5.63%
Apply Now

Features

  • Repayment period is up to 4 years
  • Only UAE Nationals can apply for this scheme
  • Minimum salary of AED 6,000 is required
  • The interest rate starts at 5.63%
  • It is mandatory to transfer your salary to apply for this scheme
  • Finance up to AED 2,000,000
  • Early settlement fee is 1% of loan amount
  • Arrangement fee is 1% of loan amount

Benefits

  • Can get up to AED 2,000,000 loan amount
  • Repayment period is long
Apply Now
View Details

View details on bank page

Personal Loan for Expats

Minimum Salary

AED 7.5K

Reducing Rate

5.63%

Loan Amount

AED 2000K

Early Settlement Fee

1%

Arrangement Fee

1%

minimum salary

AED 7.5K

Minimum Salary

reducing rate

5.63%

Reducing Rate

loan amount

AED 2000K

Loan Amount

early settlement fee

1%

Early Settlement Fee

arrangement fee

1%

Arrangement Fee

Features

  • Repayment period is up to 4 years
  • Only Expats can apply for this scheme
  • The loan is provided for a interest rate of 5.63%(starts from)
Apply Now

Features

  • Repayment period is up to 4 years
  • Only Expats can apply for this scheme
  • The loan is provided for a interest rate of 5.63%(starts from)
  • Minimum salary of AED 7500 is required
  • It is mandatory to transfer your salary to apply for this scheme
  • Finance up to AED 2,000,000
  • Early settlement fee is 1% of loan amount
  • Arrangement fee is 1% of loan amount

Benefits

  • Can get up to AED 2,000,000 loan amount
  • Repayment period is long
Apply Now
View Details

View details on bank page

Frequently Asked Questions

Q. What are different personal loans provided by United Arab bank?

A. UAB provides personal loans for UAE nationals, expats and also Cash Flow loans

Q. What benefits can I obtain from UAB personal loans?

A. You can get loan amount that’s 20 times of your salary, free credit card for the first year, quick approval of loan and easy documentation.

Q. How can I repay UAB loan?

A. You can repay UAB loan by debiting repayment amount from your monthly salary when it got transferred to your UAB bank account.

Q. I got my employment recently. Am I eligible for this loan?

A. Yes. You are eligible for this loan if you have a confirmation letter of employment and salary assignment from your employer

Q. Is postponement of loan installments allowed?

A. Yes, two loan installments are allowed in a period of one year.

Q. What’s the maximum repayment period that I can expect on UAB personal loan?

A. You can get a repayment period upto 48 months.

Q. What’s the purpose of Cash Flow loans offered by UAB?

A. Cash Flow loans can be utilized for rent payment and to pay education fees.

Q. Can a non-salary transfer customers avail Cash Flow loans?

A. Yes. Even the non-salary transfer customers can avail Cash Flow loans provided by UAB.

Q. Are collaterals needed for this loan?

A. No collaterals are needed for this loan.

About United Arab

Headquartered in Sharjah, with over 25 branches across the UAE, United Arab Bank, P.J.S.C. (UAB), which was incorporated in 1975, has established itself as a leading banking services provider in the UAE. UAB has a Vision ‘of being the trusted partner and the UAE bank of choice for customers’ and a Mission of ‘offering a superior customer experience, creating shareholder value, and adopting an innovative banking approach while remaining loyal to the nation's heritage and contributing to the overall development of the UAE.’ UAB follows the values of :

  • Integrity
  • Customer Focus
  • Competence
  • Consistency
  • Courteousness

   Get in touch with United Arab Customer Care

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