Finding the best personal loans in UAE is important if you need quick financial help. Whether it’s for an emergency, a big purchase, or consolidating debt, the right personal loan in UAE can make life easier.
With many personal loan providers in UAE, it’s key to pick a lender who offers:
- Low-interest personal loans
- Fast personal loan approval
- Flexible repayment options
Today, many banks provide Instant personal loans in UAE even urgent cash loans without salary transfer with paperless applications and same-day payouts.
But before you apply, make sure you understand your personal loan eligibility in UAE, including salary requirements and credit score.
If your credit score is low, don’t worry. You can improve credit score in few days to increase your chances of approval and get better personal loan interest rates in UAE.
In this article, we’ll share the best banks for personal loans in UAE and tips to help you secure a low-interest personal loan that fits your needs.
Top 6 Banks offering best personal loans in UAE in 2025
1. Emirates NBD – Personal Loans
Emirates NBD offers personal loans in UAE with competitive interest rates and flexible repayment terms, making it a top choice for both UAE nationals and expatriates.
The bank provides loan amounts of up to AED 1 million for UAE nationals and AED 750,000 for expatriates.
With a straightforward application process, minimal documentation, and fast approval, Emirates NBD ensures a smooth and hassle-free experience for its customers.
Eligibility Criteria of Emirates NBD – Personal Loans
- UAE Nationals: Minimum salary of AED 5,000.
- Expatriates: Minimum salary of AED 8,000 (varies based on job type and nationality).
- Age between 21 and 60 years at the time of loan maturity.
- Proof of income, residency, and Emirates ID required.
How to Apply for Emirates NBD – Personal Loans
- Online: Visit the Emirates NBD website and complete the online application form.
- In Branch: Go to your nearest Emirates NBD branch and submit the required documents (proof of income, residency, Emirates ID).
- The bank will review your application, and the approval process usually takes less than 48 hours. Loan disbursal can happen within 24 hours once approved.
With fast approvals and flexible terms, Emirates NBD provides one of the best personal loans in the UAE, tailored to meet your financial needs.
2. Abu Dhabi Commercial Bank (ADCB)
ADCB is another major player in UAE's banking sector. Known for its reliable and efficient loan services, ADCB offers competitive rates and personalized loan solutions. The bank's commitment to digital banking makes it easy for customers to apply and manage their loans from anywhere in UAE.
Key Features:
- Loan amounts starting from AED 5,000, up to AED 1 million.
- Interest rates as low as 3.49% per annum (depending on the applicant's profile).
- Flexible loan tenure options ranging from 12 to 48 months.
- Special offers for existing ADCB customers.
How to Apply:
- Visit the ADCB website or download the mobile app.
- Fill out the personal loan application form.
- Upload necessary documents such as salary certificate, Emirates ID, and bank statements.
- Receive loan approval and funds directly to your account.
3. Dubai Islamic Bank (DIB)
If you're seeking a Shariah-compliant personal loan, Dubai Islamic Bank (DIB) offers some of the most attractive financing options. DIB combines Islamic banking principles with customer-friendly terms to provide personal loans that cater to the needs of a diverse clientele.
Key Features:
- Loan amounts up to AED 1 million.
- Financing based on Islamic principles (Murabaha, Ijarah).
- Quick loan processing and approval within 48 hours.
- No processing fee for UAE nationals.
How to Apply:
- Apply online through the DIB website or mobile app.
- Submit necessary documents such as a valid passport, salary slip, and Emirates ID.
- Upon approval, the loan amount is transferred to your account.
4. Mashreq Bank- A Flexible Option for Expats
Mashreq Bank is well-regarded for offering flexible personal loans tailored to both UAE nationals and expatriates. Mashreq is known for its personalized customer service and quick processing time, making it an ideal choice for those who need funds in a short period.
Key Features:
- Loan amounts ranging from AED 5,000 to AED 1 million.
- Low interest rates starting at 3.50% per annum.
- Quick loan processing time.
- Loans available in both AED and foreign currencies.
How to Apply:
- Visit Mashreq’s website or head to the nearest branch.
- Fill out an online or in-person application.
- Provide the necessary documents, including salary proof and Emirates ID.
- Get a response and approval within 24 to 48 hours.
5. HSBC UAE – A Global Leader in Personal Loans
HSBC, a global banking giant, offers personal loans in the UAE with competitive interest rates and flexible repayment options. With their vast network and international presence, HSBC ensures that you have a seamless experience when applying for a loan.
Key Features:
- Loan amounts up to AED 500,000.
- Repayment periods ranging from 12 to 48 months.
- Quick and easy online application process.
- Attractive interest rates for both UAE nationals and expatriates.
How to Apply:
- Visit HSBC’s UAE website or use the mobile banking app.
- Submit an application online and upload the required documents.
- Receive a decision and the loan amount is typically disbursed within 24 hours.
6. Riyad Bank – Offering Competitive Rates for UAE Nationals
Riyad Bank offers personal loans primarily to UAE nationals, with very attractive terms. With low interest rates and flexible repayment options, Riyad Bank stands out for its ease of access and minimal paperwork.
Key Features:
- Loan amounts starting from AED 10,000.
- Competitive interest rates starting from 3.25% per annum.
- Up to 48 months repayment period.
- Fast loan approval process.
How to Apply:
- Visit the nearest Riyad Bank branch or use the bank’s online platform.
- Complete the loan application form.
- Provide proof of income, identity, and residency.
- Receive approval and disbursement within 24 hours.
How to Choose the Best Personal Loan in UAE?
When comparing personal loans in UAE 2025, selecting the right loan requires careful evaluation of key factors to ensure affordability and convenience. Here's what to look for:
Compare Interest Rates & Processing Fees
Look for the lowest personal loan interest rates in UAE, which start from around 5.99% in 2025. Also, check the processing fees, usually between 1% and 2% of the loan amount, to avoid surprises.
Check Prepayment Penalties
Many banks charge early settlement fees ranging from 1% to 3% if you repay the loan before the tenure ends. Opt for lenders offering personal loans with zero prepayment penalties in UAE to save on extra costs.
Watch for Hidden Charges
Be aware of additional fees such as administrative charges, insurance costs, or late payment penalties. Always carefully read the personal loan agreement in UAE to understand all terms and conditions.
Understand Your Debt Burden Ratio (DBR)
The UAE Central Bank caps your DBR at 50% of your monthly income. Calculate your existing EMIs and expenses to ensure you qualify for your desired loan amount.
Use trusted personal loan comparison tools in UAE to evaluate offers from top banks like Emirates NBD, ADCB, and Dubai Islamic Bank before applying. Choose a loan with flexible repayment options, fast approval, and no hidden fees for the best deal.
By focusing on these important factors, you can secure the best personal loan in UAE with low interest rates and favorable terms in 2025.
Tips for Applying for a Personal Loan in the UAE:
- Know Your Credit Score: Banks often consider your credit score before approving a loan. A higher score increases your chances of getting favorable loan terms, such as lower interest rates.
- Prepare Your Documents: Ensure that you have all required documents, such as your Emirates ID, salary certificate, bank statements, and proof of address.
- Choose the Right Loan Amount and Tenure: Borrow only what you need. A larger loan amount or a longer repayment period can lead to higher interest rates and more debt.
- Understand the Fees: Some banks may charge processing fees or early settlement fees. Make sure to ask about any hidden charges before signing a loan agreement.
- Compare Different Banks: Don’t rush into a decision. Compare interest rates, loan terms, and other fees from different banks to ensure you get the best deal.
Conclusion
Choosing the best bank for personal loans in the UAE in 2025 is essential to secure the lowest personal loan interest rates, flexible repayment terms, and hassle-free approval processes. Leading banks like Emirates NBD, Mashreq Bank, and ADCB offer competitive personal loan options for salaried individuals and expats alike, with easy online applications tailored to different income brackets.
Before you apply for a personal loan online in the UAE, make sure to compare interest rates, processing fees, loan tenure, and eligibility criteria. Finding the right personal loan for your salary and credit score can help you manage your finances better and meet your goals, whether it's for debt consolidation, home renovation, or unexpected expenses.
By doing thorough research and choosing from top personal loan lenders in the UAE, you can enjoy affordable monthly installments and financial peace of mind throughout 2025 and beyond.