Top 10 Instant Loan Apps in UAE for Expats Needing Urgent Cash

Emirates NBD stands out as one of the most trusted and widely used banks in the UAE, especially for expats seeking fast and flexible personal loans. Whether you need urgent cash for medical bills, travel, rent, or debt consolidation, this bank offers a seamless loan experience with minimal documentation and fast disbursal.

• High Loan Amounts: Borrow up to AED 500,000 based on your salary and eligibility.
• Quick Approval: Most applications are processed within 24 hours, making it ideal for emergencies.
• Attractive Interest Rates: Starting from just 2.89% per annum, offering some of the best rates in the UAE.
• Flexible Repayment Tenure: Choose repayment terms of up to 48 months to suit your financial comfort.
• Digital Convenience: Apply easily through the Emirates NBD mobile app or website, with real-time loan tracking.
• Trusted by Expats: Backed by strong customer service and a reputation for transparency and reliability.

This combination of speed, security, and accessibility makes Emirates NBD one of the top personal loan providers for expats living in Dubai, Abu Dhabi, Sharjah, and across the UAE.

To apply for a personal loan with Emirates NBD, applicants must meet specific eligibility conditions. These ensure responsible lending and help determine your borrowing capacity.

Below are the key eligibility criteria for Emirates NBD personal loans in the UAE:

• Age Requirement: Applicant must be at least 21 years old
• Employment Type: Must be a salaried employee (self-employed applicants are not eligible)
• Minimum Monthly Salary: Typically AED 5,000 or more (may vary depending on employer listing and loan amount)
• Employer Criteria: Your employer must be on Emirates NBD’s approved list of companies
• Residency: You must be a UAE resident with a valid Emirates ID and visa
• Credit History: A good Al Etihad Credit Bureau (AECB) score or clean repayment history improves approval chances
• Salary Transfer: Salary transfer to an Emirates NBD account is often required for higher loan amounts or lower interest rates

Meeting these criteria increases your chances of quick loan approval with better terms. If you’re unsure about your eligibility, Emirates NBD allows applicants to check pre-qualification online via its app or official website.

Applying for a personal loan with Emirates NBD is quick and simple, thanks to their fully digital and user-friendly process. You can apply online, via the mobile app, or by visiting the nearest branch.

Follow these steps to apply for an Emirates NBD personal loan:

• Download the Emirates NBD Mobile App
  Available on the App Store and Google Play for free.
• Register or Log In
  Use your mobile number, Emirates ID, or customer credentials to log into your account.
• Navigate to the ‘Loans’ Section
  Select Personal Loans and choose the loan amount and tenure that suits your needs.
• Fill Out the Application Form
  Enter your employment details, monthly salary, desired loan amount, and purpose of the loan.
• Upload Required Documents
  Submit clear copies of your: Emirates ID, Passport with visa page, Salary certificate or bank statements, Proof of employment (if required)
• Submit the Application
  Review all details and submit the form. You’ll receive instant confirmation.
• Loan Approval & Disbursal
  If eligible, approval may be granted within minutes to 24 hours. The funds will be credited directly to your Emirates NBD account.

Applicants with salary transfer arrangements and strong credit profiles may benefit from lower interest rates and higher loan amounts.

RAKBANK is a popular choice among expats in the UAE because it combines fast loan processing with flexible repayment plans. Whether you require funds for emergency expenses, travel, or home renovations, RAKBANK provides a hassle-free loan experience with competitive rates and customer support tailored to expats’ needs.

Here’s why RAKBANK stands out for expats seeking personal loans in the UAE:

• Generous Loan Limits: Borrow up to AED 500,000 based on eligibility and salary.
• Swift Loan Approval: Most applications are approved quickly, often within 24 hours.
• Attractive Interest Rates: Starting at 3.25% per annum, making it affordable for many borrowers.
• Flexible Tenure Options: Repay over a period of up to 48 months according to your budget.
• Easy Digital Access: Apply via RAKBANK’s online portal or mobile app for convenience.
• Trusted Service: Recognized for transparent policies and dedicated customer support for expats.

This combination of speed, flexibility, and reliable service positions RAKBANK as a leading personal loan provider for expats across Dubai, Sharjah, and other Emirates.

Applicants must meet RAKBANK’s eligibility requirements to qualify for a personal loan. These standards help ensure responsible lending and tailor the loan offer to your financial profile.

Key eligibility criteria for RAKBANK personal loans in the UAE include:

• Age: Must be at least 21 years old
• Employment: Salaried employee with a stable job (self-employed not eligible)
• Minimum Salary: Generally AED 5,000 or higher, depending on the loan amount
• Employer Approval: Employer must be listed in RAKBANK’s approved companies
• Residency Status: Valid UAE residency visa and Emirates ID required
• Credit Score: Positive credit history with Al Etihad Credit Bureau (AECB) improves approval chances
• Salary Transfer: Salary transfer to RAKBANK account is mandatory for loan approval

Meeting these conditions helps speed up your loan processing and secure better interest rates and terms.

Applying for a RAKBANK personal loan is quick and convenient. You can complete the entire process online or through their mobile app without visiting a branch.

Follow these steps to apply for a RAKBANK personal loan:

• Download the RAKBANK Mobile App or visit the official website.
• Create an account or log in using your credentials.
• Go to the ‘Loans’ section and select ‘Personal Loan.’
• Fill in your personal details, employment information, and desired loan amount and tenure.
• Upload necessary documents including Emirates ID, salary certificate, and bank statements.
• Submit your application for instant pre-approval and final approval within 24 hours.
• Upon approval, loan amount will be disbursed directly to your RAKBANK account.

Salary transfer arrangements help you avail lower interest rates and higher loan limits.

ADCB Hayyak is one of the leading personal loan options for expats due to its flexibility and customer-centric approach. It offers quick approvals, easy documentation, and tailored repayment plans suitable for expats living across Dubai, Abu Dhabi, and other Emirates.

Key reasons ADCB Hayyak is popular among expats:

• High Loan Amounts: Borrow up to AED 500,000 based on eligibility and income.
• Competitive Interest Rates: Starting as low as 3.49% per annum, keeping repayments affordable.
• Flexible Tenure: Choose repayment periods up to 48 months to match your budget.
• Fast Processing: Most loans are approved within 24 to 48 hours for urgent needs.
• Convenient Application: Apply online or at any ADCB branch with minimal paperwork.
• Trusted Bank: ADCB is known for excellent customer service and transparent lending policies.

With its robust support and clear terms, ADCB Hayyak stands out as a reliable choice for expats seeking personal loans in the UAE.

To apply for the ADCB Hayyak Personal Loan, applicants must meet the following eligibility requirements designed to ensure responsible lending:

• Age: Applicant must be at least 21 years old
• Employment: Must be a salaried employee with a UAE-based employer
• Minimum Monthly Salary: Typically AED 5,000 or higher
• Residency: Valid UAE residence visa and Emirates ID required
• Salary Transfer: Salary transfer to ADCB account is mandatory
• Credit History: Clean credit record and acceptable credit score

These criteria help streamline the approval process and ensure you receive competitive loan offers tailored to your profile.

Applying for an ADCB Hayyak Personal Loan is straightforward and fast, with both online and offline options available to suit your convenience.

• Visit the ADCB website or download the ADCB mobile banking app.
• Register or log in using your credentials or Emirates ID.
• Navigate to the personal loans section and select the Hayyak Personal Loan.
• Fill in your employment, income details, and desired loan amount and tenure.
• Upload the required documents such as Emirates ID, salary certificate, and passport.
• Submit your application and await approval, which usually occurs within 24-48 hours.
• Upon approval, loan proceeds will be credited to your ADCB account promptly.

Maintaining salary transfer with ADCB often qualifies you for better interest rates and loan terms.

CashNow stands out as one of the most convenient instant loan providers in the UAE for expats due to its fast digital process and minimal documentation. The app offers transparent terms and flexible repayment options, making it a trusted choice for quick cash needs.

Reasons to consider CashNow for your personal loan:

• Instant Approvals: Get loan approval within minutes via the CashNow app.
• No Salary Transfer Needed: Keeps your salary account independent and flexible.
• Flexible Loan Amounts: Borrow up to AED 100,000 tailored to your income.
• Simple Documentation: Only basic documents like Emirates ID and salary proof are needed.
• Convenient Mobile App: Manage your loan application and repayments entirely online.
• Reliable Customer Support: Available to help you through every step of the loan process.

CashNow’s easy-to-use platform and quick turnaround make it one of the best instant loan options for expats across the UAE.

CashNow requires applicants to meet basic criteria to qualify for a personal loan, ensuring responsible lending and fast approvals.

• Age: Must be at least 21 years old
• Residency: Valid UAE residence visa and Emirates ID
• Employment: Salaried individuals or self-employed with proof of income
• Minimum Monthly Income: Typically AED 5,000 or higher
• Credit History: No major defaults on credit or loan repayments

Meeting these requirements helps speed up the loan approval process via the CashNow app.

Applying for a CashNow Personal Loan is fully digital, designed for your convenience with minimal effort and instant decisions.

• Download the CashNow app from the App Store or Google Play.
• Create an account using your mobile number and Emirates ID.
• Complete the personal loan application form with your employment and income details.
• Upload necessary documents such as Emirates ID and salary proof.
• Submit your application and receive instant loan approval.
• Upon approval, loan funds are disbursed directly to your UAE bank account within hours.

CashNow offers a hassle-free loan experience ideal for expats needing quick and flexible financial solutions.

E& Money stands out for expats who want a hassle-free loan experience with competitive rates and flexible terms. It is ideal for individuals who prefer no salary transfer requirements and want quick access to funds with transparent fees.

Key benefits of E& Money personal loans:

• Fast loan approvals: Get decisions in minutes with a fully digital application.
• No salary transfer needed: Maintain control over your salary account.
• Flexible repayment tenure: Choose up to 36 months based on your budget.
• Competitive interest rates: Starting at 3.5% per annum for qualified applicants.
• Easy documentation: Minimal paperwork and quick verification.
• Trusted digital platform: User-friendly app and online portal for loan management.

Whether for unexpected expenses, travel, or education, E& Money offers a reliable personal loan option tailored to expats’ needs in the UAE.

Applicants must meet the following requirements to qualify for an E& Money personal loan:

• Age: Minimum 21 years old
• Residency: Valid UAE residence visa and Emirates ID
• Employment: Salaried or self-employed with proof of income
• Minimum Monthly Income: Typically AED 5,000 or higher
• Credit History: Positive credit record and no significant defaults

Meeting these criteria increases your chances of smooth and fast loan approval.

Applying for an E& Money personal loan is simple and fully digital, designed for expats looking for speed and convenience.

• Visit the official E& Money website or download their mobile app.
• Register an account using your Emirates ID and mobile number.
• Complete the online loan application form with your personal and employment details.
• Upload the required documents such as Emirates ID, salary certificate, or bank statements.
• Submit your application and receive instant loan approval if eligible.
• Loan amount is credited to your bank account within 24 hours of approval.

E& Money provides a fast, transparent, and accessible way for expats to get the funds they need without salary transfer hassles.

Liv is designed for modern expats in the UAE who want speed, simplicity, and control over their finances. If you're looking for a low-hassle loan with quick approval and digital convenience, Liv is a top choice among UAE personal loan apps.

Why Liv stands out for UAE expats:

• 100% App-Based: Apply directly from the Liv app—no paperwork or branch visits.
• No Salary Transfer: Flexibility to keep your salary account wherever you prefer.
• Quick Approval: Get instant eligibility checks and same-day disbursal.
• Fair Rates: Interest rates start from just 3.49% per annum.
• Customizable Terms: Choose your preferred tenure up to 36 months.
• Backed by Emirates NBD: Enjoy the credibility and security of a major UAE bank.

Liv’s digital-first approach offers expats in Dubai, Abu Dhabi, and across the UAE a smooth and reliable personal loan experience.

To qualify for a Liv personal loan in the UAE, you need to meet the following eligibility conditions:

• Age: Minimum 21 years old
• Residency: Must be a UAE resident with valid Emirates ID
• Account Holder: Must be an active Liv account user
• Employment: Salaried individuals only (minimum monthly income of AED 5,000)
• Credit Score: Positive Al Etihad Credit Bureau (AECB) record
• Loan Offer: Loan pre-approval is visible inside the Liv app

Liv uses smart algorithms to assess your profile instantly and show personalized loan offers inside the app.

Applying for a Liv personal loan is fast and fully digital—no paperwork, no waiting in queues. Here’s how to apply in minutes:

• Download or open the Liv App (available on iOS and Android).
• Login to your Liv account and navigate to the “Money” section.
• Click on “Personal Loan” if you're eligible, and view your offer.
• Select your loan amount and tenure that fits your budget.
• Accept the terms and submit your application online.
• Once approved, the amount is credited directly to your Liv account.

Make sure you’ve completed KYC verification in the Liv app before applying.

Mashreq Neo is a digital-first bank designed to meet the evolving needs of UAE expats. Whether you're managing unexpected expenses or planning a big purchase, Mashreq Neo provides a quick and transparent loan experience with no hidden charges.

Reasons to consider Mashreq Neo for your personal loan:

• Fast Loan Approvals: Receive instant eligibility and quick disbursal through the app.
• Digital Convenience: No need to visit a branch—apply and manage your loan completely online.
• Flexible Loan Amounts: Borrow up to AED 150,000 based on your income and profile.
• Attractive Interest Rates: Rates start from 3.49% p.a., making it affordable for expats.
• Custom Tenure: Repay comfortably over a period of up to 48 months.
• Trusted UAE Brand: Backed by Mashreq Bank, one of the region’s oldest and most respected financial institutions.

Ideal for expats in Dubai, Abu Dhabi, and other emirates seeking a fast, secure, and mobile-friendly personal loan solution.

To be eligible for a personal loan from Mashreq Neo, expats must meet the following requirements:

• Age: Minimum of 21 years at the time of application
• Residency: UAE resident with a valid Emirates ID
• Employment: Salaried with a listed employer approved by Mashreq Bank
• Minimum Salary: AED 5,000 per month
• Credit Score: A satisfactory AECB credit history is required
• Salary Transfer: Required to a Mashreq Neo salary account

Eligibility may vary slightly depending on employer status and monthly income. Pre-approval offers are visible through the Neo app for eligible users.

Mashreq Neo personal loan applications are processed entirely through the mobile app. Here's how to apply:

• Download the Mashreq Neo app from the App Store or Google Play.
• Sign up or log in using your Emirates ID and mobile number.
• Navigate to the “Loans” section and select “Personal Loan.”
• Enter your salary, employer, and desired loan amount.
• Review your loan offer and confirm your details.
• Upload supporting documents (Emirates ID, salary certificate, etc.).
• Submit the application. Once approved, funds are credited directly to your Neo account.

This streamlined process makes it simple for expats to access fast financial support without branch visits.

ADIB stands out for providing ethical, transparent, and Sharia-compliant financial services to both UAE nationals and expatriates. Whether you're dealing with unexpected expenses or need funds for family, travel, or education, ADIB’s personal finance products are flexible and reliable.

Top reasons expats prefer ADIB personal finance:

• High Finance Limit: Borrow up to AED 1 million based on your income and eligibility.
• Competitive Profit Rates: Profit rates start from 3.72% p.a. on a reducing balance basis.
• Sharia-Compliant: 100% Islamic financing based on Murabaha structure (no interest involved).
• Payment Grace Period: Enjoy a grace period of up to 90 days before your first payment.
• Top-Up Options: Eligible for top-up finance based on existing loan track record.
• Digital Banking: Easy tracking and management via ADIB mobile app and online banking.

This makes ADIB a reliable choice for expats in Dubai, Abu Dhabi, Sharjah, and other emirates seeking personal financing that aligns with Islamic values and modern banking convenience.

To apply for ADIB personal finance in the UAE, you must meet certain eligibility criteria that ensure responsible lending and compliance with Islamic finance standards.

• Minimum Age: 21 years
• Residency: Must be a UAE resident with valid Emirates ID and visa
• Employment Type: Salaried employees only (approved employer list)
• Minimum Salary: AED 8,000 per month (subject to change based on job and company)
• Salary Transfer: Required to ADIB account
• Credit History: Good credit score and clean repayment history preferred

Eligibility terms may vary slightly depending on employment, salary, and ADIB’s internal policies.

You can apply for ADIB personal finance both online and offline. The digital process ensures ease and quick status tracking.

• Visit the official ADIB website or nearest branch.
• Fill in your personal and employment details using the online application form.
• Choose the loan amount, tenure, and provide income and employer details.
• Upload required documents: Emirates ID, passport, salary certificate, and bank statement.
• Submit the application and await confirmation from ADIB.
• Once approved, funds are transferred directly to your ADIB account.

ADIB may also offer pre-approval and personalized offers for existing account holders via their app.

SimplyLife is a go-to option for expats in the UAE who need a straightforward, no-hassle personal loan from a trusted banking brand. Backed by ADCB’s financial strength, SimplyLife offers convenience and peace of mind.

Top reasons to choose SimplyLife for your personal financing:

• Fast Loan Disbursal: Receive your loan within 24–48 hours of approval.
• Flexible Repayment: Choose a loan tenure of up to 4 years with affordable monthly installments.
• Attractive Rates: Competitive flat interest rate starting from 5.25% per annum.
• High Loan Amount: Finance up to AED 500,000 based on income and eligibility.
• Trusted Bank: Operated by ADCB – one of the leading financial institutions in the UAE.
• Easy Application: Simple loan process via mobile, website, or SimplyLife advisors.

This makes SimplyLife ideal for covering emergency needs such as education, rent, relocation, or unexpected expenses in the UAE.

To qualify for a SimplyLife personal loan, you need to meet the following eligibility requirements:

• Minimum Age: 21 years
• Residency: Valid UAE residency visa and Emirates ID
• Employment: Salaried employee with a confirmed job
• Minimum Salary: AED 5,000 per month (may vary by employer)
• Salary Transfer: Must transfer salary to SimplyLife/ADCB account
• Employer: Should be listed with ADCB/SimplyLife approved companies
• Credit Score: Must meet ADCB’s internal credit policy and AECB standards

Meeting these criteria helps ensure fast approval and better loan terms.

SimplyLife personal loans are easy to apply for, whether online, through a call-back request, or at an ADCB branch. The process is designed to be fast and efficient for expats in the UAE.

• Visit the official SimplyLife website or download the ADCB mobile banking app.
• Click on the “Apply Now” button and fill out the short application form.
• Enter details like monthly income, job, employer name, and required loan amount.
• Upload required documents: Emirates ID, salary certificate, passport with visa page, and bank statement.
• Submit your application and get a response from SimplyLife within a short time.
• If approved, funds are transferred directly to your ADCB account.

FAB personal loans are ideal for salaried expats who need reliable, fast, and affordable financing from a top-tier bank. With user-friendly digital services and strong customer support, FAB offers a smooth borrowing experience across the UAE.

Top reasons expats choose FAB personal loans:

• High Loan Limits: Borrow up to AED 600,000 depending on eligibility and income.
• Fast Processing: Quick approvals and disbursal, usually within 1–2 working days.
• Attractive Interest Rates: Competitive reducing rates starting from 3.99% per annum.
• Flexible Tenure: Repay your loan over a period of up to 48 months.
• Top-Up Options: Eligible borrowers can apply for top-up loans after a few months of repayment.
• Trusted Banking Brand: FAB is recognized for its stability, wide network, and digital banking convenience.

This makes FAB a preferred personal loan provider for expats living in Dubai, Abu Dhabi, Sharjah, and other Emirates.

FAB personal loans come with specific eligibility requirements to ensure applicants can repay responsibly. Meeting these criteria improves your chances of fast approval.

• Minimum Age: 21 years
• Residency: UAE resident with valid Emirates ID and visa
• Employment: Salaried employee with a confirmed job
• Minimum Salary: AED 7,000 (may vary by employer)
• Employer: Must be on FAB’s approved employer list
• Salary Transfer: Monthly salary must be credited to FAB account
• Credit History: A good AECB score and clean repayment history preferred

Applying for a FAB personal loan is quick and hassle-free. You can apply online, via the FAB Mobile app, or by visiting a branch near you.

• Go to the official FAB website or download the FAB Mobile App.
• Create an account or log in using your Emirates ID or phone number.
• Navigate to the Personal Loans section and select your preferred loan plan.
• Enter details like salary, employer, loan amount, and repayment tenure.
• Upload your documents: Emirates ID, passport, visa page, salary certificate, and bank statement.
• Submit the application and track the approval status in real-time.
• Once approved, the loan amount is disbursed to your FAB account.