Best Personal Loans in United Arab Emirates (2026)

57 personal loans from 11 banks in United Arab Emirates. 31 of them publish a rate; the rest quote only on application.

Every figure below is taken from the bank's own published pages and is shown in the bank's own wording — a flat rate and a reducing rate are not the same thing, so they are never merged. A dash means the bank does not publish that figure. Rates change; always confirm on the bank's site before applying.
Last read from the banks' websites on 16 August 2026.

Bank & loan	Rate (bank's own wording)	Min salary	Max amount	Tenure
ADCB Personal Loan for Expatriates Abu Dhabi Commercial Bank bank's page ↗	'starting from 5.99% per annum'; 'Interest rates for expatriates (VAT not applicable) - from 5.99% upto 14% per annum.' Calculator footnote: '*Interest in reducing balance.' 'Interest rates s	AED 5,000	AED 1,500,000 — 'The maximum Loan amount is AED4,000,000 for UAE Nationals and AED1,500,000 for Expatriates. There is no minimum loan amount for both.' (sourced from ADCB's Personal Loan FAQ	48 months — 'Loan repayment tenors start at 6 months and are up to a maximum of 48 months.'	View
DIB Services Ijarah Dubai Islamic Bank bank's page ↗	'an applicable profit rate from 5.99% per annum to 21.99% per annum reducing'.	AED 3,000	AED 4,000,000 — 'Maximum finance amount: AED 4 million for UAE Nationals and AED 2 million for Expatriates'.	48 months — 'maximum tenure of 48 months'.	View
RAKislamic Personal Finance (Salary Transfer) National Bank of Ras Al-Khaimah PJSC bank's page ↗	'Profit rates starting from 4.75% reducing rate p.a.' and 'Competitive profit rates: From 4.75% to 19.99% reducing rates p.a.' Disclaimer: 'Profit rates are quoted on a reducing rate per annu	AED 5,000	AED 2,250,000 — 'Max loan amount: Up to AED 2,250,000'. Also stated: 'Maximum finance amount up to 20 times the gross income'.	48 months — 'Max tenor: 48 months'. Payment periods from 6 to 48 months.	View
RAKBANK Personal Loan National Bank of Ras Al-Khaimah PJSC bank's page ↗	'Enjoy interest rates from 4.75% reducing rate p.a.' Eligibility panel: 'Standard interest rates starting from 4.75% p.a.' Disclaimer: 'Rates are quoted on a reducing rate per annum.'	AED 5,000	AED 2,250,000 — 'Max loan amount: AED 2,250,000'.	48 months — 'Max tenor: 48 Months for non MOD customers, 60 Months for MOD customers'.	View
Mashreq Personal Loan (New Customers) Mashreq bank's page ↗	No numeric rate published. Page states only: 'Our interest rates are competitive and are charged on a reducing balance. To know more about this, please get in touch with our bank representati	AED 5,000	AED 2,000,000 — 'Mashreq offers Personal Loans of up to 20 times your salary and maximum of up to AED 2 million.'	48 months — 'Minimum tenure for a Mashreq Personal Loan is 6 months and the maximum tenure is 48 months. For employees of the Ministry of Defense the maximum tenure is up to 60 months.'	View
Mashreq Personal Loan (Existing Customers) Mashreq bank's page ↗	No numeric rate published. Page states only: 'Our interest rates are competitive and are charged on a reducing balance.'	AED 5,000	AED 2,000,000 — 'up to 20 times your salary and maximum of up to AED 2 million'.	48 months — Minimum 6 months, maximum 48 months; up to 60 months for Ministry of Defense employees.	View
FAB Personal Loan First Abu Dhabi Bank bank's page ↗	UAE Nationals: 4.79% fixed per year (with multi-product package: salary transfer to FAB + FAB credit card) or 6.20% fixed per year (salary transfer, no FAB credit card). Expatriates: 5.74% fi	AED 7,000	AED 5,000,000 — AED 5 million for UAE Nationals; AED 2 million for Expatriates. The page's own EMI calculator uses a 15,000-140,000 borrow range, which contradicts the headline figure.	48 months — Stated: 'Minimum loan tenor is 6 months, and the maximum is 48 months. (60 months for UAE Nationals employed with Ministry of Defense).' The on-page calculator allows 6-60 months.	View
FAB Non-listed Company Personal Loan First Abu Dhabi Bank bank's page ↗	UAE Nationals: 8.99% fixed per year. Expatriates: 11.99% fixed per year. Headline: 'Market-leading interest rates starting from 8.99% fixed per year'. Footnote: 'All interest rates quoted are	AED 10,000	AED 500,000 — Up to AED 500,000 for both UAE Nationals and Expats.	48 months — UAE Nationals: up to 48 months (or up to 60 months for Ministry of Defence employees). Expatriates: up to 48 months.	View
FAB Buyout Loan First Abu Dhabi Bank bank's page ↗	'Interest rates starting from 4.70% fixed for Emiratis and 5.44% fixed for Expats'. Footnote: 'All interest rates quoted are effective rates on loan outstanding balance'.	AED 7,000	AED 5,000,000 — Up to AED 5 million for UAE Nationals and AED 2 million for expats.	48 months — 'Flexible repayment terms of up to 48 months (or up to 60 months for employees of the Ministry of Defense)'.	View
Salary Transfer Loans(Expats) Emirates NBD bank's page ↗	'Tentative rate: 5.99% reducing p.a.' (shown against the on-page loan calculator) and 'Effective rate: 5.99% p.a.' Disclaimer: 'Rates and benefits will be applicable based on your banking seg	AED 5,000	AED 3,000,000 — 'Loan amounts up to AED 3 Million'. Calculator slider runs AED 25,000 to 4,000,000.	48 months — 'Loan tenure up to 48 months'.	View
Salary Transfer Loan(Emiratis) Emirates NBD bank's page ↗	'Tentative rate: 5.99% reducing p.a.' (shown against the on-page loan calculator). Disclaimer: 'Rates and benefits will be applicable based on the customers segment, their eligibility and bor	AED 5,000	AED 4,000,000 — 'Loan amount up to AED 4 Million'.	48 months — 'Loan tenure up to 48 months (60 months. For Ministry of Defense employees)'.	View
ADCB Personal Loan for UAE Nationals Abu Dhabi Commercial Bank bank's page ↗	'starting from 5.24% interest rate per annum'. Calculator footnote: '*Interest in reducing balance.' 'Interest rates shall vary depending on customer segment, profile and loan Tenor.'	AED 5,000	AED 4,000,000 — 'The maximum Loan amount is AED4,000,000 for UAE Nationals' (sourced from ADCB's Personal Loan FAQ page, not the product page).	48 months — 'Loan repayment tenors start at 6 months and are up to a maximum of 48 months.'	View
Emirates Islamic Personal Finance Emirates Islamic Bank bank's page ↗	'Profit rates start from 2.59% flat p.a for UAE Nationals (approx. 4.74% reducing rate p.a) and 2.99% flat p.a for Expatriates (approx. 5.47% reducing rate p.a).' Footnote: 'Profit rates vary	AED 7,500	AED 4,000,000 — Up to AED 4 million for UAE Nationals; up to AED 3 million for Expatriates.	48 months — 'Up to 48 months for all employers and up to 60 months for Ministry of Defence employees only'.	View
SIB Personal Finance Sharjah Islamic Bank bank's page ↗	Product page: 'Exclusive profit rates starting from 2.49% (fixed per annum)' and 'Personal Finance profit rate will revert back to 2.89% (fixed per annum) once Campaign ends.' The page confir	AED 5,000	AED 3,000,000 — 'Maximum Finance amount AED 3,000,000'.	48 months — KFS: 'Finance tenure will be up to 48 months (60 months for customers working for MOD) at most.'	View
DIB Liability Settlement Finance Dubai Islamic Bank bank's page ↗	'an applicable profit rate from 5.99% per annum to 21.99% per annum reducing'.	AED 3,000	AED 4,000,000 — 'Maximum finance amount: AED 4 million for UAE Nationals and AED 2 million for Expatriates'.	48 months — 'for up to 48 months'.	View
DIB Goods Murabaha Dubai Islamic Bank bank's page ↗	'an applicable profit rate from 5.99% per annum to 21.99% per annum reducing'.	AED 3,000	AED 2,000,000 — 'Maximum finance amount: AED 2 million for UAE Nationals and AED 2 million for Expatriates'.	48 months — 'maximum tenure of 48 months'.	View
Personal Loan Commercial Bank of Dubai bank's page ↗	No numeric rate published. Page states: 'Interest rates are subject to individual profile and CBD credit analysis' and 'Competitive interest rates'.	AED 8,000	AED 2,500,000 — 'Maximum loan amount is 20 multiples of your monthly salary or up to AED 2.5 million for UAE Nationals, up to AED 1.5 million for Armed forces, up to AED 1 million for pension	48 months — CONFLICT on the same page. Features section: 'Flexible repayment period up to 48 months for expats, 60 months for UAE nationals'. FAQ section: '48 Months, as stipulated by the Cen	View
DIB Al Islami Personal Finance Dubai Islamic Bank bank's page ↗	'Profit rate from 5.99% per annum to 21.99% per annum reducing'.	AED 3,000	AED 5,000,000 — 'Up to AED 5 million for UAE Nationals and up to AED 3 million for Expatriates'.	48 months — 'Tenure up to maximum of 48 months'.	View
ADIB Personal Finance Abu Dhabi Islamic Bank bank's page ↗	No numeric profit rate published. Page states only: 'Get personal finance at attractive financing profit rates with up to 7 months grace period for your first installment payment.'	AED 5,000	AED 3,000,000 — 'Up to AED 3 Million for UAE Nationals and AED 2 Million for UAE Residents'.	48 months — 'Flexible repayment terms: Up to 48 months'.	View
Commercial Vehicle Loans Emirates NBD	—	on	High loan amounts of up to AED 750,000	Maximum loan tenor of 48 months	View
RAKBANK Green Personal Loan National Bank of Ras Al-Khaimah PJSC bank's page ↗	'Featured interest rate 4.14%, from 4.14% to 22.49% reducing rate p.a.'	—	AED 2,000,000 — 'Loan options up to AED 2,000,000 (subject to DBR)'.	48 months — 'Flexible repayments (up to 48 months)'.	View
Scholar Plus Education Loan Emirates NBD	—	on	Loan amount of up to AED 300,000	Loan tenure up to 48 months	View
FAB Elite Personal Loan First Abu Dhabi Bank bank's page ↗	UAE Nationals: 'Starting from 4.79% fixed per year' (multi-product package) or 'Starting from 6.20% variable per year' (salary transfer without FAB credit card). Expatriates: 'Starting from 5	AED 7,000	AED 5,000,000 — Up to AED 5 million for UAE Nationals; up to AED 2 million for Expatriates.	—	View
FAB Islamic Non-listed Company Personal Finance First Abu Dhabi Bank bank's page ↗	'Market-leading profit rates starting from 8.99%* fixed per year'	AED 10,000	AED 500,000 — 'High finance amounts of up to AED 500,000'	—	View
FAB Islamic Personal Finance First Abu Dhabi Bank bank's page ↗	'Profit rates from 4.79%* fixed per year'	AED 7,000	AED 5,000,000 — 'Finance amount of up to AED 5 million'	—	View
DIB Liability Consolidation Finance (Top-up) Dubai Islamic Bank bank's page ↗	'applicable profit rate from 5.99% per annum to 21.99% per annum reducing'.	AED 3,000	—	48 months — 'maximum tenure of 48 months'.	View
Mashreq Debt Consolidation Loan Mashreq bank's page ↗	No numeric rate published on this page.	AED 5,000	AED 2,000,000 — 'Higher loan amount of up to AED 2 Million'; also 'Borrow 20 times your salary'.	—	View
Fixed Deposit Auto Loan Emirates NBD	—	on	Loan amounts of up to 80% of vehicle cost	Maximum tenure 5 years	View
DIB FlexiSalary - Salary Support Personal Finance Dubai Islamic Bank bank's page ↗	No percentage rate published. Page states: 'low fixed profit amount ranging from AED 80 to AED 200 and a one time re payment'.	AED 2,000	AED 13,000 — 'Enjoy finance of up to AED 13,000'.	—	View
Mashreq NEO Credit Instant Loan Mashreq bank's page ↗	'Our interest rates range from 9.49% to 26.49% per year. We will do our best to offer you the lowest interest rate, based on your profile and loan duration.'	AED 5,000	AED 150,000 — 'Up to AED 150,000'.	—	View
Business Vehicle Loans Emirates NBD	—	on	Loan amounts up to AED 3,500,000	Tenures up to 48 months	View
Mashreq Top-up Loan (Existing Customers) Mashreq bank's page ↗	No numeric rate published on this page.	AED 5,000	AED 2,000,000 — 'Your top up loan amount can go up to 20 times your salary. Maximum loan amount that can be availed by expatriates is AED 2,000,000.'	—	View
NBF Personal Loan National Bank of Fujairah bank's page ↗	'Competitive interest rates as low as 5.25%' ( Terms and conditions apply).	—	AED 3,000,000 — 'High loan limits up to 1 million for expats and 3 million for UAE Nationals'; also 'Loan amounts up to 20 times your monthly salary'. Currency unit AED is implied but not wri	48 months — 'Loan tenors of up to 48 months'. Note the page's loan calculator dropdown offers a 60-month option.	View
National Loan Scheme Commercial Bank of Dubai	—	on	—	Tenure should be > 4 Years for regular customers and for MOD customers tenure should be > 5 years	View
RAKBANK Cash Loan National Bank of Ras Al-Khaimah PJSC bank's page ↗	'Interest rates as low as 12.99% reducing rate p.a.' Disclaimer: 'Rates are quoted on a reducing rate per annum.'	—	—	36 months — 'Max tenor: 3 years'.	View
Car Loan Commercial Bank of Dubai	—	on	—	Tenures of up to 60 months to suit your needs with possibility of payment deferral	View
Property loan (Expatriates) Emirates NBD	—	—	Loan amount of up to AED 20Mn	Loan tenor up to 25 years	View
Personal Contract Purchase Emirates NBD	—	on	—	Loan Tenure not more than 36 months	View
Personal Loan Emirates Islamic Bank	—	on	—	Tenure - 48 months	View
Loan against Fixed Deposits Emirates NBD	—	on	—	Maximum tenure of 48 months	View
Home loans for UAE Nationals Emirates NBD	—	on	Loan amount offered up to AED 20 million	—	View
Fixed Rate Auto Loan Emirates NBD	—	on	—	Maximum tenure 5 years	View
Auto Finance Emirates Islamic Bank	—	on	—	—	View
Commercial Property Finance Emirates Islamic Bank	—	on	—	—	View
Auto Cash Car Loan Emirates NBD	—	on	—	—	View
Home Loan Commercial Bank of Dubai	—	—	High loan amounts of up to AED 20 million.	—	View
Loan Against Fixed Deposit Commercial Bank of Dubai	—	on	—	—	View
Commercial Property Financing Emirates NBD	—	—	Loan amounts of up to AED 15 Million	—	View
FAB National Loans Scheme (NLS) First Abu Dhabi Bank bank's page ↗	'Interest rate / profit rate to be reduced to 3 Month Emirates Interbank Offered Rate (EIBOR)*. National Loans Scheme interest rates / profit rate are subject to change twice a year at the be	—	—	—	View
Loan Against Property for UAE Emirates NBD	—	—	Loan amount of up to AED 20Mn	—	View
Mulhaq Loans Emirates NBD	—	—	Loan amount of up to AED 20Mn	—	View
Quick Loan Commercial Bank of Dubai	—	on	—	—	View
Green Auto Loan Emirates NBD	—	on	—	—	View
Home Loans for Expatriates Emirates NBD	—	—	—	—	View
Housing Establishment Emirates Islamic Bank	—	—	—	—	View
Home Finance – Bina’a Emirates Islamic Bank	—	—	—	—	View
Home Finance Emirates Islamic Bank	—	—	—	—	View