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SALARY TRANSFER
Yes
FIXED RATE
3.25%
MONTHLY SALARY
AED 10,000
REDUCING RATE
5.90%
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
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
SALARY TRANSFER
Yes
FIXED RATE
3.18%
MONTHLY SALARY
AED 10,000
REDUCING RATE
5.24%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 10,000
Fixed Rate
3.18%
Reducing Rate
5.24%
Max Loan Amount
Key Features
SALARY TRANSFER
Yes
FIXED RATE
4.07%
MONTHLY SALARY
AED 7,000
REDUCING RATE
7.38%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 7,000
Fixed Rate
4.07%
Reducing Rate
7.38%
Max Loan Amount
Key Features
SALARY TRANSFER
Yes
FIXED RATE
0.00%
MONTHLY SALARY
AED 10,000
REDUCING RATE
0.00%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 10,000
Fixed Rate
0.00%
Reducing Rate
0.00%
Max Loan Amount
Key Features
SALARY TRANSFER
Yes
FIXED RATE
6.25%
MONTHLY SALARY
AED 5,000
REDUCING RATE
11.50%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 5,000
Fixed Rate
6.25%
Reducing Rate
11.50%
Max Loan Amount
Key Features
Things To Be Aware Of
SALARY TRANSFER
Yes
FIXED RATE
3.25%
MONTHLY SALARY
AED 5,000
REDUCING RATE
6.25%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 5,000
Fixed Rate
3.25%
Reducing Rate
6.25%
Key Features
SALARY TRANSFER
Yes
FIXED RATE
3.33%
MONTHLY SALARY
AED 8,000
REDUCING RATE
6.04%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 8,000
Fixed Rate
3.33%
Reducing Rate
6.04%
Max Loan Amount
Key Features
SALARY TRANSFER
Yes
FIXED RATE
5.99 %
MONTHLY SALARY
AED 5,000
REDUCING RATE
10.86 %
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 5,000
Fixed Rate
5.99 %
Reducing Rate
10.86 %
Max Loan Amount
Key Features
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.
UAE loan APR rates range between from 5% to 35% in general.
Illustration:
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 470 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 AED22,540, The borrower would be paying AED 2,540 as interest.
Please use Soulwallet’s Loans EMI Calculator for further simulations.
Arrangement Fee: 1% of the finance amount
Things To Be Aware Of
SALARY TRANSFER
Yes
FIXED RATE
3.89%
MONTHLY SALARY
AED 30,000
REDUCING RATE
7.05%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 30,000
Fixed Rate
3.89%
Reducing Rate
7.05%
Max Loan Amount
Key Features
SALARY TRANSFER
Yes
FIXED RATE
3.33 %
MONTHLY SALARY
AED 8,000
REDUCING RATE
6.04 %
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 8,000
Fixed Rate
3.33 %
Reducing Rate
6.04 %
Max Loan Amount
Key Features
SALARY TRANSFER
Yes
FIXED RATE
3.89%
MONTHLY SALARY
AED 30,000
REDUCING RATE
7.05%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 30,000
Fixed Rate
3.89%
Reducing Rate
7.05%
Max Loan Amount
Key Features
SALARY TRANSFER
Yes
FIXED RATE
4.16%
MONTHLY SALARY
AED 15,000
REDUCING RATE
7.55%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 15,000
Fixed Rate
4.16%
Reducing Rate
7.55%
Max Loan Amount
Key Features
SALARY TRANSFER
Yes
FIXED RATE
4.96%
MONTHLY SALARY
AED 10,000
REDUCING RATE
9.00%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 10,000
Fixed Rate
4.96%
Reducing Rate
9.00%
Key Features
SALARY TRANSFER
Yes
FIXED RATE
3.13%
MONTHLY SALARY
AED 5,000
REDUCING RATE
5.68%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 5,000
Fixed Rate
3.13%
Reducing Rate
5.68%
Max Loan Amount
Key Features
SALARY TRANSFER
Yes
FIXED RATE
4.96%
MONTHLY SALARY
AED 10,000
REDUCING RATE
9.00
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 10,000
Fixed Rate
4.96%
Reducing Rate
9.00
Key Features
Things To Be Aware Of
SALARY TRANSFER
Yes
FIXED RATE
2.48%
MONTHLY SALARY
AED 10,000
REDUCING RATE
4.50%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 10,000
Fixed Rate
2.48%
Reducing Rate
4.50%
Max Loan Amount
Key Features
SALARY TRANSFER
Yes
FIXED RATE
3.03%
MONTHLY SALARY
AED 7,500
REDUCING RATE
5.49%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 7,500
Fixed Rate
3.03%
Reducing Rate
5.49%
Max Loan Amount
Key Features
SALARY TRANSFER
Yes
FIXED RATE
2.63%
MONTHLY SALARY
AED 5,000
REDUCING RATE
5.99%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 5,000
Fixed Rate
2.63%
Reducing Rate
5.99%
Max Loan Amount
Key Features
SALARY TRANSFER
Yes
FIXED RATE
2.63%
MONTHLY SALARY
AED 5,000
REDUCING RATE
5.99%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 5,000
Fixed Rate
2.63%
Reducing Rate
5.99%
Max Loan Amount
Key Features
Attractive reducing interest rates starting from 5.99% reducing or 2.63% flat p.a.
Loan amounts up to AED 1,000,000
Free Bank Account with no minimum balance required
7-day Loan Return Option
Double Insurance Coverage
SALARY TRANSFER
Yes
FIXED RATE
4.96%
MONTHLY SALARY
AED 10,000
REDUCING RATE
8.99%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 10,000
Fixed Rate
4.96%
Reducing Rate
8.99%
Max Loan Amount
Key Features
SALARY TRANSFER
Yes
FIXED RATE
3.30 %
MONTHLY SALARY
AED 5,000
REDUCING RATE
5.99 %
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 5,000
Fixed Rate
3.30 %
Reducing Rate
5.99 %
Max Loan Amount
Key Features
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
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
SALARY TRANSFER
Yes
FIXED RATE
6.25%
MONTHLY SALARY
AED 10,000
REDUCING RATE
11.33%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 10,000
Fixed Rate
6.25%
Reducing Rate
11.33%
Max Loan Amount
Joining offers
ADCB TouchPoints awarded on ADCB Personal loan amount (AED 10,000 and above) are as follows:
Key Features
SALARY TRANSFER
Yes
FIXED RATE
6.25%
MONTHLY SALARY
AED 10,000
REDUCING RATE
11.33%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 10,000
Fixed Rate
6.25%
Reducing Rate
11.33%
Max Loan Amount
Joining offers
ADCB TouchPoints awarded on ADCB Personal loan amount (AED 10,000 and above) are as follows:
Key Features
SALARY TRANSFER
Yes
FIXED RATE
3.58 %
MONTHLY SALARY
AED 8,000
REDUCING RATE
6.50 %
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 8,000
Fixed Rate
3.58 %
Reducing Rate
6.50 %
Max Loan Amount
Key Features
Things To Be Aware Of
SALARY TRANSFER
Yes
FIXED RATE
3.85%
MONTHLY SALARY
AED 8,000
REDUCING RATE
6.99%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 8,000
Fixed Rate
3.85%
Reducing Rate
6.99%
Max Loan Amount
Key Features
Things To Be Aware Of
SALARY TRANSFER
Yes
FIXED RATE
3.72%
MONTHLY SALARY
AED 8,000
REDUCING RATE
6.75%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 8,000
Fixed Rate
3.72%
Reducing Rate
6.75%
Max Loan Amount
Key Features
Things To Be Aware Of
SALARY TRANSFER
Yes
FIXED RATE
3.25 %
MONTHLY SALARY
AED 10,000
REDUCING RATE
5.90 %
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 10,000
Fixed Rate
3.25 %
Reducing Rate
5.90 %
Key Features
SALARY TRANSFER
Yes
FIXED RATE
8.64 %
MONTHLY SALARY
AED 10,000
REDUCING RATE
15.99 %
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 10,000
Fixed Rate
8.64 %
Reducing Rate
15.99 %
Max Loan Amount
Key Features
Things To Be Aware Of
SALARY TRANSFER
Yes
FIXED RATE
2.20%
MONTHLY SALARY
AED 5,000
REDUCING RATE
3.99%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 5,000
Fixed Rate
2.20%
Reducing Rate
3.99%
Key Features
Things To Be Aware Of
SALARY TRANSFER
Yes
FIXED RATE
3.03 %
MONTHLY SALARY
AED 8,000
REDUCING RATE
5.50 %
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 8,000
Fixed Rate
3.03 %
Reducing Rate
5.50 %
Max Loan Amount
Key Features
Things To Be Aware Of
SALARY TRANSFER
Yes
FIXED RATE
6.06%
MONTHLY SALARY
AED 5,000
REDUCING RATE
11.00%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 5,000
Fixed Rate
6.06%
Reducing Rate
11.00%
Max Loan Amount
Key Features
Things To Be Aware Of
SALARY TRANSFER
Yes
FIXED RATE
2.95%
MONTHLY SALARY
AED 10,000
REDUCING RATE
5.39%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 10,000
Fixed Rate
2.95%
Reducing Rate
5.39%
Max Finance Amount
Key Features
SALARY TRANSFER
Yes
FIXED RATE
3.30 %
MONTHLY SALARY
AED 5,000
REDUCING RATE
5.99 %
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 5,000
Fixed Rate
3.30 %
Reducing Rate
5.99 %
Key Features
Things To Be Aware Of
SALARY TRANSFER
Yes
FIXED RATE
2.63%
MONTHLY SALARY
AED 10,000
REDUCING RATE
5.99%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 10,000
Fixed Rate
2.63%
Reducing Rate
5.99%
Max Loan Amount
Key Features
Things To Be Aware Of
SALARY TRANSFER
Yes
FIXED RATE
3.03%
MONTHLY SALARY
AED 7,500
REDUCING RATE
5.49%
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 7,500
Fixed Rate
3.03%
Reducing Rate
5.49%
Max Loan Amount
Key Features
SALARY TRANSFER
Yes
FIXED RATE
2.59 %
MONTHLY SALARY
AED 10,000
REDUCING RATE
4.74 %
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 10,000
Fixed Rate
2.59 %
Reducing Rate
4.74 %
Max Finance Amount
Key Features
SALARY TRANSFER
Yes
FIXED RATE
7.49%
MONTHLY SALARY
AED 7,500
Salary Transfer Required?
Yes
Minimum Monthly Salary
AED 7,500
Fixed Rate
7.49%
Max Loan Amount
Key Features