Automatic Top-Up Programme

Automatic Top-Up Programme

Min. salary
Max. Amount
AED 4,000,000
Effective rate
We do our best to accommodate your ever-changing financial needs. This is why we created the Automated Top Up Programme for regular-paying customers who already have a Personal Loan with Emirates NBD yet still need additional finance.
View Summary
Salary Transfer
Not Required
Minimum Tenure
12 months
Maximum Tenure
48 month
Early settlement

Apply online now

Fill in your details and our expert advisor will contact you soon.


  • Quick and easy
  • Loan amounts up to 125% times of your original loan amount
  • Simple Documentation
  • No Salary Transfer Letter/Salary Certificate requirement
  • Fast processing of loan application
  • Processing fee only on incremental amount
  • Rates starting 5.24%, reducing rates 2.77% flat

Documents Required

  • Valid Passport Copy with valid Resident Visa page
  • UAE Nationals: Ibara page of UAE Nationals
  • Original Emirates ID and Emirates ID copy
  • Proof of Residency or Utility Bill
  • Updated Security Cheque
  • Credit Card Statements (Where applicable)
  • Salaried Individual
    • Latest 3 Months Bank statement
    • Latest Salary Certificate / Salary Transfer Letter
  • Self-Employed
    • Latest 6 Months Bank statement
    • Trade License
    • MOA (Memorandum of Association)
    • POA (Power of Attorney)
  • Loan to Minor
    • Attested copies of guarantor/co-borrowers Passport and Visa, Emirates ID, Trade License & Income Details


  • Loan should be regular and current at the time of a top-up
  • All other existing top-up criteria applicable for processing the loan