FAB Non Salary Transfer Personal Loans for Expats

Non Salary Transfer Personal Loans for Expats

Salary Transfer Required?
Minimum Monthly Salary
AED 15000
Fixed Rate
Max Loan Amount
AED 800000
Salary Transfer Required? no
Minimum Monthly Salary AED 15000
Fixed Rate 15.49%
Reducing Rate 0%
Max Loan Amount AED 800000

Top Reasons To Choose

  • Attractive loan amounts up to AED 800,000
  • Interest rates starts from 15.49% reducing per year
  • Minimum documentation
  • Chance to win a Rabdan One
  • Comprehensive Life Insurance coverage

Personal Loan Rates starting from 15.49% fixed rate per year. Expatriates living in the UAE can apply for a personal loan from FAB without a need for a salary transfer. Loan can be availed up to AED 800,000 at competitive interest rates and repayment periods up to 48 months.

Product Overview
Personal Loans in UAE are offered to customers for a variety of reasons including education, travel, medical and many more.  There are two types of personal loans, one which requires a salary transfer and one which doesn’t. Loans are offered for a minimum period of 6 to a maximum of 48 months expats. Most of the banks assign Loan APR (Annual Percentage Rate) based on the profile of the customer and his/her employer. A few banks use bureau score to assign interest rates. 

Documents Required

  1. A copy of a valid passport, visa and Emirates ID, and you must also present the originals
  2. Present bank statements for the last six months showing salary credits (if your salary is not credited to a FAB account)
  3. Prepare a salary certificate addressed to First Abu Dhabi Bank
  4. Complete the application form

Joining Offers

Apply for a FAB Personal Loan, top up your existing loan, or move your loan to FAB for a chance to win the powerful and aerodynamic Rabdan One, the first UAE-made electric vehicle. Plus, you could be one of the 51 customers to win prizes worth a grand total of AED 150,000 in FAB Rewards.  

Click here for the Terms and Conditions



  • You have a minimum monthly income of AED 15,000
  • You have completed a minimum of 18 months service with your current employer
  • You have an acceptable Credit Bureau Score
  • You are 21 years of age or older
  • You are a UAE resident with a valid visa

Detailed Features

  • Get high loan amounts of up to AED 800,000 with flexible payment terms of up to 48 months
  • Enjoy market leading interest rates starting from 15.49% fixed per year
  • A salary transfer to a FAB account is not required, and you can pay your instalments from the bank account into which you receive your salary each month
  • A personal loan is available even if your employer is not on FAB’s Approved List of Employers
  • Benefit from comprehensive life insurance coverage

*All interest rates quoted are effective rates on the loan’s outstanding balance.

*Rates shown are minimum available and may vary depending on income, credit bureau score, and lender’s approval criteria.

Flat interest rate is calculated on the entire loan amount throughout the loan tenure. In this case, the interest rate or lending rate is fixedf for the duration of the loan and will be calculated at the start of the loan.

Interest accrual on each installment= (Loan principal x Loan tenor x  interest rate per annum)/ total number of installments

A Reducing rate is calculated based on diminishing principal amount. Every month when you pay your EMI your principal reduces. Interest is calculated only on the reduced principal amount at the time of EMI Payment. 

Interest payable on each installment= Outstanding loan amount x interest rate applicable for each installment


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