How To Apply ADCB Personal Loan In UAE
A solution that is unique to you and your goals. In keeping with our commitment to creating goods and services that cater to all members of the community, we have created adaptable, affordable loan packages for foreign nationals residing in the UAE.
| 5.75%From | Interest rate | starting from 5.75% interest rate per annum |
| 2XUp to | Salary overdraft | with flexible eligibility criteria |
| 300Up to | TouchPoints | for every AED 1,000 of loan amount |
Keep in mind
- The Excellency/Emiri Excellency customer categories are subject to the interest rate specified on this page. The relevant rate will change based on the customer’s profile and segment.
- Life insurance coverage is subject to an additional one-time cost.
- The customer’s income and end-of-service benefit (gratuity) are assigned in favor of ADCB in exchange for a personal loan, which serves as collateral for the loan.
- Service Guarantee: We guarantee to respond to your request for a personal loan within three business days. Send an SMS with the letter “P” to 2626 to get started after giving the salesperson or branch personnel a complete set of documentation. Details can be found at adcb.com/serviceguarantee; terms and conditions do apply.
Key benefits
- High salary multiples
- Competitive interest rates
- Loan consolidation available
- Simple documentation
- Credit life insurance
- Free ADCB Credit Card
- Up to two times salary overdraft
TouchPoints eligibility
Terms and conditions
ADCB loans shall only be made available at ADCB’s sole discretion, in accordance with ADCB’s terms and conditions, and upon the submission of paperwork that ADCB will accept. Applying terms and conditions Click here to view the complete terms and conditions for consumer banking.
Documents required
- Completed application form
- Valid Passport, Visa & EIDA Card copy
- Last 3 months bank statements copy
- Salary certificate issued to ADCB, dated 30 days or less from date of loan application
- Salary transfer letter
- Details of existing loans/liabilities
Important Note
- You may have to pay penalties if you pay off a loan early
- If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future.
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