Islamic Finance Personal Loans

ADCB Personal Finance

ADCB Personal Finance

Abu Dhabi Commercial Bank (ADCB)

SALARY TRANSFER

Yes

FIXED RATE

3.33 %

MONTHLY SALARY

AED 8,000

REDUCING RATE

6.04 %

  • Competitive Profit Rates
  • High Finance Amount

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 8,000

Fixed Rate

3.33 %

Reducing Rate

6.04 %

Max Loan Amount

200,000

Key Features

Profit rates starting from 3.33% p.a.
High finance amount of up to AED 1.25 million for expatriates, and AED 2 million for UAE nationals
Finance tenure up to 4 years
Takaful coverage (including optional family and job loss cover)
First year free credit card
Simple documentation and quick approvals

Things To Be Aware Of

  • Max Loan:AED 1,250,000(Expats) AED 2,000,000 (UAE National)
ADCB Personal Finance

ADCB Personal Finance

Abu Dhabi Commercial Bank (ADCB)

SALARY TRANSFER

Yes

FIXED RATE

3.33%

MONTHLY SALARY

AED 8,000

REDUCING RATE

0.00%

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 8,000

Fixed Rate

3.33%

Reducing Rate

0.00%

Max Loan Amount

1,250,000

Key Features

Profit rates starting from 3.33% p.a. High finance amount of up to AED 1.25 million for expatriates, and AED 2 million for UAE nationals Finance tenure up to 4 years Takaful coverage (including optional family and job loss cover) First year free credit card Simple documentation and quick approvals

Things To Be Aware Of

  • Maximum Loan Amount
  • AED 1,250,000 (Expats)
  • AED 2,000,000 (UAE nationals)
ADCB Personal Finance

ADCB Personal Finance

Abu Dhabi Commercial Bank (ADCB)

SALARY TRANSFER

Yes

FIXED RATE

3.25%

MONTHLY SALARY

AED 10,000

REDUCING RATE

5.90%

  • Competitive Profit Rates

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 10,000

Fixed Rate

3.25%

Reducing Rate

5.90%

Key Features

A wide range of shariah compliant products
Fast and simple approval process
Competitive Profit Rates
High Finance Amount
Flexible Tenures
Low minimum salary requirement

ADIB Debt Settlement

ADIB Debt Settlement

Abu Dhabi Islamic Bank (ADIB)

SALARY TRANSFER

Yes

FIXED RATE

3.58 %

MONTHLY SALARY

AED 8,000

REDUCING RATE

6.50 %

  • 100% Processing Fee Waiver

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 8,000

Fixed Rate

3.58 %

Reducing Rate

6.50 %

Max Loan Amount

1,000,000

Key Features

  • A special profit rate starting from 6.5% p.a.
  • First installment payment grace period up to 90 days
  • 100% processing fee waiver

Things To Be Aware Of

ADIB Education Finance

ADIB Education Finance

Abu Dhabi Islamic Bank (ADIB)

SALARY TRANSFER

Yes

FIXED RATE

3.85%

MONTHLY SALARY

AED 8,000

REDUCING RATE

6.99%

  • Complete education expenses financing
  • Free ADIB Cashback credit card for the 1st year

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 8,000

Fixed Rate

3.85%

Reducing Rate

6.99%

Max Loan Amount

250,000

Key Features

  • Financing of up to AED 250,000
  • Finance installments up to 48 months
  • Free postponement option
  • Free ADIB VISA Cashback Card for the first year

Things To Be Aware Of

  • Tenure upto to 48 Months
ADIB Personal Finance

ADIB Personal Finance

Abu Dhabi Islamic Bank (ADIB)

SALARY TRANSFER

Yes

FIXED RATE

3.72%

MONTHLY SALARY

AED 8,000

REDUCING RATE

6.75%

  • Free pre-approved ADIB VISA Cashback Card for the first year
  • First installment payment grace period up to 90 days

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 8,000

Fixed Rate

3.72%

Reducing Rate

6.75%

Max Loan Amount

1,000,000

Key Features

  • Free pre-approved ADIB VISA Cashback Card for the first year
  • First installment payment grace period up to 90 days
  • Two free installments postponements every year
  • Takaful cover protection with competitive rates

Things To Be Aware Of

  • Required Length of service 6 Months
Al Hilal Bank Personal Finance

Al Hilal Bank Personal Finance

Al Hilal Bank

SALARY TRANSFER

Yes

FIXED RATE

3.25 %

MONTHLY SALARY

AED 10,000

REDUCING RATE

5.90 %

  • Competitive Profit Rate

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 10,000

Fixed Rate

3.25 %

Reducing Rate

5.90 %

Key Features

  • A wide range of Shariah compliant products
  • Fast and simple approval process
  • Competitive Profit Rates
  • High Finance Amount and Flexible Tenures
  • Low minimum salary requirement
Dubai Islamic Liabilities Settlement Finance

Dubai Islamic Liabilities Settlement Finance

Dubai Islamic Bank (DIB)

SALARY TRANSFER

Yes

FIXED RATE

0.00%

MONTHLY SALARY

AED 5,000

REDUCING RATE

0.00%

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 5,000

Fixed Rate

0.00%

Reducing Rate

0.00%

Dubai Islamic Personal Finance

Dubai Islamic Personal Finance

Dubai Islamic Bank (DIB)

SALARY TRANSFER

Yes

FIXED RATE

6.06%

MONTHLY SALARY

AED 5,000

REDUCING RATE

11.00%

  • High loan amounts

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 5,000

Fixed Rate

6.06%

Reducing Rate

11.00%

Max Loan Amount

2,000,000

Key Features

  • Minimum salary requirement of AED 5,000 only
  • Maximum tenure of 48 months
  • High finance approvals for your personal finance needs
  • Maximum finance set at AED 4 million for UAE Nationals and AED 2 million for Expatriates

Things To Be Aware Of

  • Company should be listed and salary be transferred to DIB
Emirates Islamic Personal Finance

Emirates Islamic Personal Finance

Emirates Islamic Bank (EIB)

SALARY TRANSFER

Yes

FIXED RATE

2.17 %

MONTHLY SALARY

AED 5,000

REDUCING RATE

3.94 %

  • Very competitive profit rates
  • High finance amounts

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 5,000

Fixed Rate

2.17 %

Reducing Rate

3.94 %

Max Loan Amount

1,000,000

Key Features

  • Financing available to salaried and self employed customers
  • Very competitive profit rates
  • Financing up to 3 million for UAE Nationals and 1 million for Expatriates
  • Approvals in 24 hours
  • Preapproved credit card and 100% discount on first year's annual fees
FAB Islamic Personal Finance

FAB Islamic Personal Finance

First Abu Dhabi Bank (FAB)

SALARY TRANSFER

Yes

FIXED RATE

2.64%

MONTHLY SALARY

AED 6,000

REDUCING RATE

4.78%

  • High Finance Amounts
  • Competitive Profit Rates
  • Flexible Payment Period up to 48 months

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 6,000

Fixed Rate

2.64%

Reducing Rate

4.78%

Max Loan Amount

5,000,000

Key Features

  • Generous loan amounts for UAE nationals and expats
  • Flexible repayment terms of up to 48 months to repay through your FAB account
  • Attractive Profit rates 2.64% p.a.
MASHREQ Debt Consolidation Loans

MASHREQ Debt Consolidation Loans

Mashreq Bank

SALARY TRANSFER

Yes

FIXED RATE

0.00%

MONTHLY SALARY

AED 5,000

REDUCING RATE

0.00%

  • Lower collective payments on debt consolidation

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 5,000

Fixed Rate

0.00%

Reducing Rate

0.00%

Key Features

  • Lower monthly payments
  • Increased disposable income
  • Reduced interest payments over lifecycle
  • Higher Loan amount:
    – AED 1 Million for Expats and AED 3 Million for UAE Nationals
MASHREQ Emirati Personal Loan for Pensioners

MASHREQ Emirati Personal Loan for Pensioners

Mashreq Bank

SALARY TRANSFER

Yes

FIXED RATE

0.00%

MONTHLY SALARY

AED 10,000

REDUCING RATE

0.00%

  • Specialy Designed Loan for Pensioners

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 10,000

Fixed Rate

0.00%

Reducing Rate

0.00%

Key Features

  • Adjustable loan amounts to match your needs
  • Option to pay in manageable monthly instalments
  • Comfortable repayment periods
  • Competitive interest rates
  • Simple documentation and quick processing
  • No guarantors required for application
  • Top-up facility is available
  • Access to credit card & revolving overdraft
  • Free cheque book and debit card
MASHREQ New to UAE, New to Employer Loan

MASHREQ New to UAE, New to Employer Loan

Mashreq Bank

SALARY TRANSFER

Yes

FIXED RATE

4.07%

MONTHLY SALARY

AED 7,000

REDUCING RATE

7.38%

  • Loan disbursals within 24 hours

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 7,000

Fixed Rate

4.07%

Reducing Rate

7.38%

Max Loan Amount

150,000

Key Features

  • Loan amounts of up to AED 150,000
  • Competitive rate of interest
  • Islamic finance option is available
MASHREQ Non Salary Transfer Personal Loan for Expatriates

MASHREQ Non Salary Transfer Personal Loan for Expatriates

Mashreq Bank

SALARY TRANSFER

Yes

FIXED RATE

14.10%

MONTHLY SALARY

AED 7,000

REDUCING RATE

25.60%

  • No salary transfer or collateral required

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 7,000

Fixed Rate

14.10%

Reducing Rate

25.60%

Max Loan Amount

150,000

Key Features

  • Loan Amounts of up to AED 150,000
  • Competitive rates of interest
  • Comfortable repayment loan tenure of up to 48 months
  • No Salary Transfer or collateral required
  • Simple documentation and quick processing
  • Islamic finance option is available

Things To Be Aware Of

  • Loan Amounts of up to AED 150,000
MASHREQ Personal Loans for Emiratis

MASHREQ Personal Loans for Emiratis

Mashreq Bank

SALARY TRANSFER

Yes

FIXED RATE

0.00%

MONTHLY SALARY

AED 10,000

REDUCING RATE

0.00%

  • High loan amounts of up to 20 salary multiples

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 10,000

Fixed Rate

0.00%

Reducing Rate

0.00%

Max Loan Amount

3,000,000

Key Features

  • High loan amounts of up to 20 salary multiples
  • Max AED 3 million
  • Competitive rates of interest Top-up facility available for existing loan customers
  • Islamic finance option is available
NOOR BANK Personal Finance

NOOR BANK Personal Finance

Noor Bank

SALARY TRANSFER

Yes

FIXED RATE

3.33%

MONTHLY SALARY

AED 8,000

REDUCING RATE

6.04%

  • Competitive Interest Rates
  • High Loan Amount

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 8,000

Fixed Rate

3.33%

Reducing Rate

6.04%

Max Loan Amount

1,250,000

Key Features

  • Profit rates starting from 3.33% p.a.
  • High finance amount of up to AED 1.25 million for expatriates, and AED 2 million for UAE nationals
  • Finance tenure up to 4 years
  • Takaful coverage (including optional family and job loss cover)
  • First year free credit card
  • Simple documentation and quick approvals
SHARJAH ISLAMIC BANK Personal Finance

SHARJAH ISLAMIC BANK Personal Finance

Sharjah Islamic Bank (SIB)

SALARY TRANSFER

Yes

FIXED RATE

0.00%

MONTHLY SALARY

AED 5,000

REDUCING RATE

0.00%

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 5,000

Fixed Rate

0.00%

Reducing Rate

0.00%

Key Features

  • Fast & easy approvals
  • High finance amounts
  • Flexible payment periods
  • Up to three months grace period on first installment
  • Convenient monthly installments
  • Competitive rates
STANDARD CHARTERED Saadiq Personal Finance

STANDARD CHARTERED Saadiq Personal Finance

Standard Chartered Bank (SCB)

SALARY TRANSFER

Yes

FIXED RATE

4.16%

MONTHLY SALARY

AED 15,000

REDUCING RATE

7.55%

  • High Loan Amounts upto 20 times your salary

Salary Transfer Required?

Yes

Minimum Monthly Salary

AED 15,000

Fixed Rate

4.16%

Reducing Rate

7.55%

Max Loan Amount

1,000,000

Key Features

  • Access up to AED 500,000 at an attractive profit rate
  • Profit rates as low as 7.55% p.a. (reducing)
  • Take Over Facility 
  • Top Up Loan
  • Instalement Deferment Option
  • No minimum balance required on the operating account for the tenure of the loan
  • 24X7 Banking

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