Personal Loan for UAE Nationals

Personal Loan for UAE Nationals

Min. salary
AED 5,000
Max. Amount
AED 4,000,000
Effective rate
For those who are looking for personal finance in UAE, Emirates Islamic Bank presents you with the opportunity to enjoy more from life with our personal finance solutions. Now, you don't need to wait to sort your personal finances. Avail our offering and make your dreams come true.
View Summary
Salary Transfer
Not Required
Minimum Tenure
6 months
Maximum Tenure
48 month
Early settlement

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  • High finance amount of up to 4 million for UAE Nationals
  • Low profit rate
  • Flexible, extended repayment periods of up to 4 years
  • Simple, quick approval process
  • Cheaper than Credit Cards
  • Can be used to consolidate all debts into an easy payment plan involving the same instalment every month
  • External credit cards can be paid off for a lower monthly payment
  • No over limit fees or additional charges with a lower profit rate
  • Nominal processing fees
  • Murabaha structure followed
  • Shari'a based product

Documents Required

  • Completed application form
  • Copy of valid passport 
  • Last three months bank statements
  • Salary transfer letter / salary certificate (for salaried customers only)
  • Account opening forms for shares trading
  • Liability letter (for buyout cases only)
  • Trade license (for self employed customers)


  • Minimum monthly salary of AED 5,000
  • Length of service - Minimum one month/first salary credit into Emirates Islamic account
  • Minimum age of 21 years
  • Maximum age of 65 for UAE Nationals at the time of maturity
  • Tenure - 48 months (Standard debt settlement) and 300 months (Special debt settlement)