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Citi Personal Loan Without Salary Transfer

Citi Personal Loan Without Salary Transfer







AED 8,000



  • No Salary transfer required
  • Minimum Documentation
  • 0% processing fee
  • Receive up to AED 1,000 Noon e-Voucher
  • Get an in-principle decision in 10 minutes

Salary Transfer Required?


Minimum Monthly Salary

AED 8,000

Fixed Rate


Reducing Rate


Max Loan Amount


Joining offers

Customers will be eligible to receive a noon e-Voucher (“Offer” or “Reward”), if a Citibank loan is approved between January 1st 2022 and December 31st  2022

The Reward value you can expect on a Personal Loan without Salary Transfer:  0% Processing Fees on all loan amounts; and

Loan amounts greater than AED 75,000 and less than or equal to AED 125,000 AED 200 e-voucher
Loan amounts greater than AED 125,000 and less than or equal to AED 150,000 AED 500
Loan amounts greater than AED 150,000 AED 1000

Pls enquire with the sales officer on the terms and conditions while applying.

Key Features

  • Avail a high personal loan amount upto AED 175,000 or upto 8x Salary (No Salary transfer to Citi is required)
  • Zero processing fee
  • Get an in-principle approval in 10 minutes 

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 and 60 months for UAE Nationals.

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.  

Citi Salarty Transfer loans APR rates range between from 15.99% - 22.99%.


If a customer borrows a loan of AED 20,000 and earns an income of AED 10,000. With a repayment period of 48 months, the EMI would be AED 546 at an effective interest rate of 13.99% per annum.           

Total repayment that would have been paid at the completion of the loan would be AED26,230, The borrower would be paying AED 6,230 as interest.  

Please use Soulwallet’s Loans Equal Monthly Installments Calculator for further simulations.