Last updated: August 2, 2026 · Loans compared: 15 · Data source: issuer product pages, recorded in the Buzdy database · cited pages where we hold them
Reviewed by Zia Shahid, Buzdy Banking Editor · Our methodology
? In this guide
Looking for a personal loan in United Arab Emirates in 2026? We hold verified data on 19 personal loans in United Arab Emirates and show the top 15 here. Every figure below is printed from the record Buzdy holds for that product, taken from the issuer's own published material — where a bank does not publish a number, this guide says Not published rather than guessing. We link the exact issuer page under Sources for every product where we have recorded it; for the rest we hold the figure but not the page, and say so.
How this list is ordered. Ranked by the lowest published interest rate we hold, then by the lowest published minimum income, then rotated one loan per bank so a single lender cannot fill the list.
This is not a complete list of every personal loan sold in United Arab Emirates. It is the set Buzdy has verified data for, from 3 issuers, as of August 2, 2026.
Quick Comparison: 15 Personal Loans in United Arab Emirates
Side by side, in the order explained above. Tap any name for the full product page.
| Personal loan | Bank | Interest rate | Minimum income | Details |
|---|---|---|---|---|
| 1. Salary Transfer Loan(Emiratis) | Emirates NBD | 2.55% per year | Not published | View → |
| 2. Auto Finance | Emirates Islamic Bank | Not published | Not published | View → |
| 3. Car Loan | Commercial Bank of Dubai | Not published | Not published | View → |
| 4. Salary Transfer Loans(Expats) | Emirates NBD | 3.03% per year | Not published | View → |
| 5. Commercial Property Finance | Emirates Islamic Bank | Not published | Not published | View → |
| 6. Loan Against Fixed Deposit | Commercial Bank of Dubai | Not published | Not published | View → |
| 7. Business Vehicle Loans | Emirates NBD | 4.25% per year | Not published | View → |
| 8. Personal Loan | Emirates Islamic Bank | Not published | Not published | View → |
| 9. National Loan Scheme | Commercial Bank of Dubai | Not published | Not published | View → |
| 10. Commercial Vehicle Loans | Emirates NBD | 5.59% per year | Not published | View → |
| 11. Personal Loan | Commercial Bank of Dubai | Not published | Not published | View → |
| 12. Scholar Plus Education Loan | Emirates NBD | 31.8% per month | Not published | View → |
| 13. Quick Loan | Commercial Bank of Dubai | Not published | Not published | View → |
| 14. Loan against Fixed Deposits | Emirates NBD | 34.8% per month | Not published | View → |
| 15. Auto Cash Car Loan | Emirates NBD | 45% per month | Not published | View → |
The 15 Personal Loans in Detail
1. Salary Transfer Loan(Emiratis)
Bank: Emirates NBD
- Interest rate: 2.55% per year
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
Personal Loans for UAE Nationals starting at low interest rates on salary transfer. Our easy loans application process, higher loan amounts, discount on fees, competitive interest rates and instant pre-qualification help you plan your finances.
2. Auto Finance
Bank: Emirates Islamic Bank
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
Our Vehicle finance scheme known as Intaleq is an Islamic vehicle finance service which is Shariah compliant, offering one of the best finance solutions and personalized service. Flexible payment plans, competitive rates and a host of other benefits will have you ready to own your dream car today.
3. Car Loan
Bank: Commercial Bank of Dubai
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
The CBD Car Loan in the UAE will put you in the driving seat and behind the steering wheel in no time at all.
4. Salary Transfer Loans(Expats)
Bank: Emirates NBD
- Interest rate: 3.03% per year
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
Personal Loans Free Insurance Processing fee are now easy and convenient at competitive interest rates on salary transfer. Whether your goals are simple and small or expansive and big, the right loan package for you with Attractive fixed interest rates starting from 3.03% per annum flat, Loan amounts up to AED 2 mil...
5. Commercial Property Finance
Bank: Emirates Islamic Bank
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
Expand your business plans with the right property finance.
6. Loan Against Fixed Deposit
Bank: Commercial Bank of Dubai
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
Get instant access to your funds when you need it, while still keeping your Fixed Deposit investment intact. Learn more about CBD loan against FD.
7. Business Vehicle Loans
Bank: Emirates NBD
- Interest rate: 4.25% per year
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
If you’re looking to get a loan for passenger cars or commercial vehicles for your business, you’re in the right place.
8. Personal Loan
Bank: Emirates Islamic Bank
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
Emirates Islamic personal finance has low profit rates, flexible repayments, and a simple and quick approval process.
9. National Loan Scheme
Bank: Commercial Bank of Dubai
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
Nationals Loans Scheme is an initiative by UAE Central Bank aimed at easing the debt burden of UAE Nationals by helping them in managing their debt settlements.
10. Commercial Vehicle Loans
Bank: Emirates NBD
- Interest rate: 5.59% per year
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
Commercial Vehicle & Construction Equipment Loans__ understanding your business needs – come for customized loans for both new and used assets.
11. Personal Loan
Bank: Commercial Bank of Dubai
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
Big or small, apply for a personal loan online to reach your goals. Realize a long-cherished dream, renovate your home or discover a country never seen before.
12. Scholar Plus Education Loan
Bank: Emirates NBD
- Interest rate: 31.8% per month
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
Let us help you fulfil their dreams. We're committed to helping your children reach for the stars with the Scholar Plus Education Loan from Emirates NBD.
13. Quick Loan
Bank: Commercial Bank of Dubai
- Interest rate: Not published
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
Apply for a ‘Quick Loan’ in the CBD App using your Emirates ID and get instant loan approval for up to AED 150,000 with a repayment period of 48 months.
14. Loan against Fixed Deposits
Bank: Emirates NBD
- Interest rate: 34.8% per month
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
Loans for NRIs __ Loan against / for NRE Fixed Deposits, make it easier for you to meet your financial needs without breaking your Fixed Deposit with Emirates NBD or our Indian partner bank.
15. Auto Cash Car Loan
Bank: Emirates NBD
- Interest rate: 45% per month
- Minimum income: Not published
- Verified benefits: None published on the issuer product page
Buying a car? Put your cash back into your account and you don’t need to use your own cash to buy a car – take advantage of convenient Auto Cash Loans.
7 Smart Tips Before You Apply
What banks won't put in their marketing — but every smart applicant should know.
- Look beyond the interest rate. Total cost = principal + interest + processing fee + insurance + late fees. A 10% loan with a 3% upfront fee is actually 13%+.
- Avoid prepayment penalties. Some banks charge 2-4% if you pay off the loan early. If you might come into money, choose a no-penalty lender.
- Compare reducing-balance vs flat-rate. Flat-rate "interest" looks lower but you pay interest on the full original amount throughout. Reducing-balance recalculates each month — almost always better.
- Check the eligibility cutoff carefully. Banks advertise loans for everyone but quietly reject applicants below their threshold. Use the bank's pre-check tool (soft pull) first.
- Match the tenure to the purpose. A 5-year loan for a wedding makes the cost double versus a 2-year loan. Shorter tenure = higher monthly payment but lower total cost.
- Get loan insurance only if it's worth it. Some "loan protection insurance" charges 0.5-1% of loan value annually for benefits you may never use. Compare against term life insurance.
- Don't take multiple loans. Each loan reduces your eligibility for the next. Bundle needs into one loan rather than getting separate ones.
Common Mistakes to Avoid
The five most expensive errors people make with personal loans:
- Choosing the longest tenure to lower the EMI. A 7-year loan instead of 3-year means paying 2-3x the total interest. Always pick the shortest tenure you can comfortably afford.
- Not checking the processing fee. A 'no fee' loan may have 2-3% processing fee deducted from the disbursement. You borrow $10,000 but only get $9,700.
- Missing one payment. Late fees plus a credit-score hit (30-100 points) plus higher interest going forward. Set auto-debit from day one.
- Using personal loan for credit-card debt without changing habits. Consolidating debt at lower rate is smart only if you stop accumulating new debt on the cleared cards.
- Borrowing for depreciating assets. Personal loans for vacations, weddings, or gadgets cost 12-25%. The thing you bought drops in value while interest piles up.
How to Choose the Right Personal loan in UAE
- Annual fees — compare across banks, some offer zero fee for the first year
- Interest rates — lower rates save money if you carry a balance
- Rewards and benefits — match to your spending habits
- Eligibility — salary and documentation requirements vary by bank
- Digital access — mobile app, internet banking, contactless payments
- Customer support — 24/7 helpline, branch network, dispute resolution time
- Regulation — check the issuer's licence on the Central Bank of the UAE (CBUAE) public register before you apply
Frequently Asked Questions: Personal loans in UAE
What is the best personal loan in UAE for 2026?
The best personal loan depends on your priorities — income level, spending habits, and eligibility. Use the comparison table above to filter by rate, benefits, and bank. For premium benefits with worldwide acceptance, look at Platinum tier cards. For low income requirements, classic tier cards offer easier eligibility. Compare the 15 products in this guide above.
What credit score do I need for a personal loan in UAE?
Buzdy does not hold credit-score or credit-bureau data, and each bank sets its own threshold. None of the 15 products in this guide publish a minimum income requirement on their product page, so ask the bank directly before applying.
Can I apply online for a personal loan in UAE?
Yes, most major banks in UAE now offer fully online applications. Tap "View" on any personal loan above to start the application process directly with the bank.
What documents do I need?
Standard documents: valid government ID, tax identification number, proof of address (utility bill or rental agreement), latest 3 months of payslips (for salaried applicants) or 6 months of bank statements (self-employed), and a recent passport-size photograph. Exact requirements vary by bank.
Are these personal loans regulated and safe?
Retail banking in United Arab Emirates is supervised by Central Bank of the UAE (CBUAE). Buzdy has not individually verified the licence status of each issuer on this page, so check the regulator’s own public register before you apply — and escalate an unresolved dispute there.
Can I get a personal loan if I am self-employed in UAE?
Yes. Self-employed applicants typically need: business registration, latest tax returns, 6 months of bank statements, and audited financials (for higher tiers). Approval rates are lower than for salaried applicants but several banks specifically cater to small business owners.
What happens if I default on payments?
Missed payments trigger late fees, a credit-score drop, and a higher interest rate going forward. After 90 days of non-payment, the account goes to collections and is reported to credit bureaus. Contact your bank BEFORE missing a payment if you have trouble — most banks offer hardship plans.
Related Guides for UAE
- All banks in UAE
- Bank branches across UAE
- Credit Cards In UAE 2026
- Personal Loans In UAE 2026
- Savings Accounts In UAE 2026
- UAE EMI calculator
- UAE savings calculator
How We Compare
Our editorial team reviews each product based on annual fees, interest rates, rewards programs, eligibility requirements, and verified bank disclosures. We update this comparison regularly to reflect the latest offers. Data is sourced from official bank websites and verified where regulatory filings are publicly available.
Buzdy compares products from 555 banks across 51 countries. We are not affiliated with any single bank — our rankings are based on objective criteria outlined in our methodology.
Disclosure: Buzdy may earn a referral commission when you apply through links on our site. Commissions never influence rankings. Read our full editorial standards.
Sign in with Google to join
