Loan Eligibility Calculator United Arab Emirates
See how much you can borrow in United Arab Emirates on your salary in AED, and what United Arab Emirates banks actually require before they approve you.
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Borrowing requirements in United Arab Emirates
What you can borrow in United Arab Emirates is set by your income in AED and your existing commitments. Buzdy holds published eligibility terms for 219 lending products from 23 banks in United Arab Emirates — the real requirements are listed below.
Looking for a credit card, a loan or a savings account in the United Arab Emirates?
Compare what banks in the United Arab Emirates actually offer — rates, fees and eligibility, updated for 2026.
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23 banks
851 branches
8 cities
1,669 ATMs
Currency AED
Loan requirements in United Arab Emirates
| Loan | Bank | Minimum income | Maximum amount | Tenure |
|---|---|---|---|---|
| Salary Transfer Loan(Emiratis) | Emirates NBD | 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)'. |
| ADIB Personal Finance | Abu Dhabi Islamic Bank | 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'. |
| FAB Buyout Loan | First Abu Dhabi Bank | 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... |
| FAB Non-listed Company Personal Loan | First Abu Dhabi Bank | 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... |
| RAKBANK Personal Loan | National Bank of Ras Al-Khaimah PJSC | 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'. |
| RAKislamic Personal Finance (Salary Transfer) | National Bank of Ras Al-Khaimah PJSC | 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 th... | 48 months — 'Max tenor: 48 months'. Payment periods from 6 to 48 months. |
| Mashreq Personal Loan (New Customers) | Mashreq | 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 millio... | 48 months — 'Minimum tenure for a Mashreq Personal Loan is 6 months and the maximum tenure is 48 months. For e... |
| Mashreq Personal Loan (Existing Customers) | Mashreq | 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. |
| DIB Al Islami Personal Finance | Dubai Islamic Bank | 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'. |
| Salary Transfer Loans(Expats) | Emirates NBD | 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'. |
| DIB Liability Settlement Finance | Dubai Islamic Bank | 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'. |
| DIB Goods Murabaha | Dubai Islamic Bank | 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'. |
| DIB Services Ijarah | Dubai Islamic Bank | 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'. |
| ADCB Personal Loan for Expatriates | Abu Dhabi Commercial Bank | AED 5,000 | AED 1,500,000 — 'The maximum Loan amount is AED4,000,000 for UAE Nationals and AED1,500,000 for Expatriates. T... | 48 months — 'Loan repayment tenors start at 6 months and are up to a maximum of 48 months.' |
| ADCB Personal Loan for UAE Nationals | Abu Dhabi Commercial Bank | AED 5,000 | AED 4,000,000 — 'The maximum Loan amount is AED4,000,000 for UAE Nationals' (sourced from ADCB's Personal Loan... | 48 months — 'Loan repayment tenors start at 6 months and are up to a maximum of 48 months.' |
| Emirates Islamic Personal Finance | Emirates Islamic Bank | 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'. |
| FAB Personal Loan | First Abu Dhabi Bank | AED 7,000 | AED 5,000,000 — AED 5 million for UAE Nationals; AED 2 million for Expatriates. The page's own EMI calculator... | 48 months — Stated: 'Minimum loan tenor is 6 months, and the maximum is 48 months. (60 months for UAE National... |
| SIB Personal Finance | Sharjah Islamic Bank | 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.' |
| Personal Loan | Commercial Bank of Dubai | 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 N... | 48 months — CONFLICT on the same page. Features section: 'Flexible repayment period up to 48 months for expats... |
| Property loan (Expatriates) | Emirates NBD | Apply with a minimum salary of AED 10,000 | Loan amount of up to AED 20Mn | Loan tenor up to 25 years |
| Home Loan | Commercial Bank of Dubai | 21 and 65 years (at loan maturity) with min. salary of AED 12,000 | High loan amounts of up to AED 20 million. | Flexibility to repay up to 15% of your Outstanding once every year without any additional charges or fees |
| Business Vehicle Loans | Emirates NBD | — | Loan amounts up to AED 3,500,000 | Tenures up to 48 months |
| Mashreq Debt Consolidation Loan | Mashreq | AED 5,000 | AED 2,000,000 — 'Higher loan amount of up to AED 2 Million'; also 'Borrow 20 times your salary'. | — |
| Commercial Vehicle Loans | Emirates NBD | — | High loan amounts of up to AED 750,000 | Maximum loan tenor of 48 months |
| RAKBANK Green Personal Loan | National Bank of Ras Al-Khaimah PJSC | — | AED 2,000,000 — 'Loan options up to AED 2,000,000 (subject to DBR)'. | 48 months — 'Flexible repayments (up to 48 months)'. |
57 lending products with published eligibility terms.
Credit card eligibility in United Arab Emirates
162 cards state a minimum income or minimum age. Income figures are in AED unless the bank says otherwise.
Banks we track in United Arab Emirates
Emirates NBD
255 branches · 81 products
Arab Bank
80 branches
Emirates Islamic Bank
69 branches · 22 products
Dubai Islamic Bank
45 branches · 20 products
Abu Dhabi Islamic Bank
45 branches · 12 products
Mashreq
44 branches · 9 products
First Abu Dhabi Bank
39 branches · 24 products
Commercial Bank of Dubai
36 branches · 16 products
National Bank of Ras Al-Khaimah PJSC
36 branches · 13 products
Sharjah Islamic Bank
33 branches · 7 products
Citibank
30 branches · 18 products
National Bank of Fujairah
24 branches · 4 products
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United Arab Emirates — frequently asked questions
What is the minimum salary for a loan in United Arab Emirates?
Published minimum income requirements in our United Arab Emirates data include AED 5,000; Apply with a minimum salary of AED 10,000; Apply with a minimum salary of AED 15,000; Minimum salary of AED 10,000. Banks also look at your existing monthly commitments, not just gross salary.
What is the minimum age to borrow in United Arab Emirates?
Minimum ages stated by the products we track in United Arab Emirates include 21; UAE National or Expat aged between 21 and 70 years; Minimum age of 21 years Maximum age of 65 for UAE Nationals and 60 for Expatriates at the time of maturity.
Do I need to transfer my salary to get a card or loan in United Arab Emirates?
Not always — 102 of the 166 cards we track in United Arab Emirates state that a salary transfer is not required. Transferring your salary to the lender often gets you a better rate anyway.
How much can I borrow on my salary?
Most lenders cap total monthly repayments at roughly 50% of monthly income (the debt burden ratio). The checker above applies that rule to the salary and existing repayments you enter, then converts the spare capacity into a maximum loan.