Looking for the best personal loan in UAE 2025? Find top banks offering low interest rates and easy online applications to meet your financial needs.
Personal loans in UAE help cover emergencies, home upgrades, or big events. Choosing a low-interest loan saves you money in the long run.
Several UAE banks now offer flexible loan terms, fast approvals, and competitive rates.
Compare offers online to find what fits your budget.
If you’re searching for low interest personal loans in UAE, we’ve done the research.
This guide highlights the best options in 2025.
Discover which banks offer the lowest personal loan interest rates in UAE and learn how to apply with ease, all from your mobile.
Read on for expert tips, top lender comparisons, and everything you need to apply for a personal loan online in the UAE.
Factors to Choose Best Personal Loan with Lowest Interest Rate in UAE
Before diving into the best personal loan options, it's important to consider a few key factors when making your decision:
- Interest Rate: This is the primary factor that will determine the overall cost of your loan. The lower the interest rate, the less you’ll pay in the long run.
- Loan Tenure: Lenders in the UAE offer flexible repayment terms ranging from one year to five years. Be sure to choose a tenure that suits your repayment capacity.
- Fees and Charges: In addition to the interest rate, check for any upfront fees or hidden charges, such as processing fees, early settlement fees, or late payment penalties.
- Eligibility Criteria: Different banks have different eligibility criteria based on your monthly income, credit score, and employment status.
- Loan Amount: Consider how much money you need and ensure that the bank or lender can provide the loan amount you're seeking.
- Customer Service: Opt for a bank or financial institution known for its excellent customer service, as this can make the loan application and repayment process smoother.
Top 5 Option for Personal Loans with Lowest Interest Rates in UAE
In 2025, several banks in the UAE are offering competitive interest rates for personal loans. Below are some of the top options available:
1. Emirates NBD Personal Loan
Emirates NBD is one of the most popular banks in the UAE and offers personal loans at highly competitive interest rates. As of 2025, their personal loan interest rates start at 3.25% per annum for eligible customers.
Emirates NBD provides flexible loan terms (from 12 to 60 months) and allows you to borrow amounts up to AED 1 million.
Key Features of Emirates NBD Low Interest Personal Loan:
- Interest Rate: Flat rate starting from 2.59% to 4.20% (depending on company category and salary profile)
- Loan Amount: Varies based on eligibility
- Repayment Term: Flexible options available
- Salary Transfer: Required
- Eligibility: Minimum salary of AED 5,000 for listed companies; higher for non-listed companies
- Highlights: No insurance fees, first-year free overdraft, and paid cards with eligible miles and rewards.
Benefits of Emirates NBD Personal Loan
- Enjoy low interest personal loan rates in UAE with no insurance fees, saving more on your monthly repayments.
- Get first-year free overdraft facility when you transfer your salary to Emirates NBD.
- Receive free credit cards with rewards like cashback, Skywards Miles, or shopping discounts.
Apply Here: Emirates NBD Personal Loan Application
Website: https://www.emiratesnbd.com
2. Mashreq Bank Personal Loan
Mashreq Bank offers attractive personal loan packages with some of the lowest interest rates in the market. Their rates begin at 3.49% per annum for existing customers and can be as low as 3.99% for new customers.
Mashreq’s personal loans come with a variety of repayment plans, allowing customers to select what best suits their financial situation.
Key Features of Mashreq Bank Personal Loan:
- Interest Rate: Starting from 3.45% per annum (flat rate)
- Loan Amount: Up to AED 1 million
- Repayment Term: Up to 48 months
- Salary Transfer: Not required
- Eligibility: Minimum salary of AED 7,000
- Highlights: Quick approval process, often within 24 hours; ideal for both salaried and self-employed individuals.
Benefits of Mashreq Bank Personal Loan
- Get a low interest personal loan in UAE without transferring your salary to Mashreq Bank.
- Fast digital loan approval process allows you to apply and receive funds within 24 to 48 hours.
- Enjoy added perks like a free credit card with your Mashreq personal loan based on eligibility.
Apply Here: Mashreq Personal Loan Application
Website: https://www.mashreqbank.com
3. Abu Dhabi Commercial Bank (ADCB) Personal Loan
ADCB is known for offering some of the most attractive personal loan deals in the UAE. In 2025, ADCB offers an interest rate starting at 3.99% per annum for personal loans.
Their loans come with a variety of repayment options and loan amounts, making them an excellent choice for borrowers with different financial needs.
Key Features of ADCB Personal Loan:
- Interest Rate: Flat rate starting from 4.75% per annum (based on profile and salary transfer)
- Loan Amount: Up to AED 3 million for UAE Nationals and Up to AED 1 million for Expatriates
- Repayment Term: Flexible repayment tenure of up to 48 months
- Salary Transfer: Required to an ADCB salary account
- Eligibility: Minimum monthly salary of AED 5,000. Applicant must be salaried and employed by an approved company
- Highlights: High loan limits ideal for large financial needs like home renovation or education. Quick processing with minimal documentation for faster access to funds.
Benefits of ADCB Personal Loan :
- Access high personal loan amounts up to AED 3 million for UAE nationals, ideal for major expenses and financial goals in 2025.
- Flexible repayment terms up to 48 months allow easy monthly budgeting and stress-free loan management.
- Quick loan approval with minimal paperwork helps you get funds faster for urgent financial needs.
- Manage your personal loan anytime with ADCB’s intuitive mobile app and online banking services.
- Enjoy options for loan top-ups and complimentary credit cards with select personal loan packages.
Apply Here: ADCB Personal Loan Application
Website: https://www.adcb.com
4. First Abu Dhabi Bank (FAB) Personal Loan
First Abu Dhabi Bank (FAB) is another major player in the UAE banking industry, offering competitive personal loan options.
Their interest rates start at 4.99% per annum for eligible customers, and you can borrow up to AED 1 million.
FAB’s personal loans come with flexible terms and low processing fees, making them a popular choice among UAE residents.
Key Features of First Abu Dhabi Bank (FAB) Personal Loan:
- Interest Rate: Starting from 5.34% per annum with a salary transfer to a FAB account and holding a FAB credit card and 6.95% per annum with a salary transfer to a FAB account without holding a FAB credit card.
- Loan Amount: Up to AED 2 million.
- Repayment Term: Flexible repayment terms of up to 48 months.
- Salary Transfer: Required to a FAB account.
- Eligibility: Minimum monthly salary of AED 7,000. Employed with a governmental, semi-governmental, or reputable private organization. Completed a minimum of 6 months service or confirmed employment with the current employer.
- Highlights: Comprehensive life insurance coverage. Hassle-free documentation and fast approvals. Attractive loan amounts with flexible repayment terms.
Benefits of First Abu Dhabi Bank (FAB) Personal Loan :
- High Loan Amounts: Access up to AED 5 million, suitable for significant financial needs such as home renovation, education, or major life events.
- Competitive Interest Rates: Enjoy fixed rates starting from 4.74% per annum, ensuring predictable monthly repayments.
- Flexible Repayment Terms: Benefit from repayment periods of up to 48 months, or 60 months for Ministry of Defense employees, allowing for manageable installments.
- Grace Period: Avail of a grace period of up to 210 days before the first installment is due, providing ample time to plan your finances.
- Comprehensive Life Insurance: Receive life insurance coverage, offering financial security for your loved ones in unforeseen circumstances.
- Easy Documentation and Fast Approvals: Experience a streamlined application process with minimal paperwork and swift approval times.
Apply Here: FAB Personal Loan Application
Website: https://www.bankfab.com
5. Dubai Islamic Bank (DIB) Personal Loan
Dubai Islamic Bank offers personal loans with competitive rates and an easy application process.
Their interest rates start at 4.99% per annum for eligible UAE nationals and residents. DIB provides a range of loan amounts, from smaller loans for personal expenses to larger loans for significant financial needs.
Key Features of Dubai Islamic Bank Personal Loan:
- Interest Rate: Starting from 3.79% per annum (flat rate)
- Loan Amount: Up to AED 4 million for UAE nationals; up to AED 2 million for expatriates
- Repayment Term: Up to 48 months, with the option for 60 months for employees of the Ministry of Defense
- Salary Transfer: Required
- Eligibility: Minimum salary of AED 3,000
- Highlights: Offers Sharia-compliant financing options with competitive rates.
Benefits of Dubai Islamic Bank Personal Loan
- High Financing Limits: Access up to AED 5 million, accommodating significant financial needs such as home renovations or education.
- Competitive Profit Rates: Enjoy reducing profit rates starting from 5.99% per annum, ensuring lower overall repayment costs.
- Flexible Repayment Terms: Opt for repayment tenures of up to 48 months, providing manageable monthly installments.
- Deferred First Installment: Postpone your first installment for up to 120 days, offering financial breathing room.
- Shariah-Compliant Financing: Ensure ethical banking practices with financing that adheres to Islamic principles.
- Minimal Documentation: Experience a streamlined application process with simple documentation requirements.
Apply Here: DIB Personal Finance Application
Website: https://www.dib.ae
How to Apply for a Personal Loan in the UAE
Applying for a personal loan in the UAE is a straightforward process. Here’s a step-by-step guide to help you get started:
- Check Your Eligibility: Each bank has specific requirements based on your income, employment status, and credit history. Ensure that you meet the criteria before applying.
- Compare Interest Rates: Review the different loan options available and compare interest rates, loan amounts, and repayment terms.
- Submit Your Application: You can apply online or in person at your chosen bank. Be ready to submit the necessary documentation, such as your passport, Emirates ID, salary certificate, and bank statements.
- Approval Process: Banks will assess your application, and if you qualify, they will approve your loan. Approval times can vary, but many banks offer quick processing.
- Receive Your Funds: Once approved, the loan amount will be disbursed to your account. Ensure that you understand the repayment schedule and terms.
How to Get a Personal Loan with Low Interest Rate in UAE 2025
Securing a personal loan with a low interest rate in UAE 2025 can save you thousands. Here’s how to get the best deal:
Key Tips to Lower Your Interest Rate:
- Maintain a Good Credit Score: Pay bills on time and reduce existing debts to boost eligibility.
- Compare Top Banks: Explore options like Emirates NBD personal loan, ADCB personal loan, and FAB personal loan.
- Opt for Salary Transfer Loans: Banks offer lower rates if you transfer your salary to their account.
- Prepare Documents: Keep Emirates ID, passport, and income proof ready for quick approvals.
- Avoid Multiple Applications: Multiple credit checks can negatively impact your score.
- Check for No Hidden Fees: Choose loans with transparent fees and flexible repayment plans.
By following these expert tips and comparing the best personal loans in UAE, you can secure a low-interest loan tailored to your financial needs.
Documents Required for Personal Loan with Low Interest Rate in UAE 2025
To get a personal loan with low interest rate in UAE 2025, submitting the right documents is essential for smooth approval.
Essential Documents Checklist:
- Emirates ID: Valid Emirates ID is mandatory for all loan applicants.
- Passport Copy: Submit a clear copy of your passport with the UAE residence visa page.
- Salary Certificate or Payslips: Usually last 3 months’ salary slips or a salary certificate from your employer.
- Bank Statements: Last 3 to 6 months’ bank statements showing salary credits and expenses.
- Employment Contract: Some banks require your current employment contract or proof of service.
- Trade License (for Business Owners): If self-employed, provide your company’s trade license and financial statements.
Having these documents ready can speed up your loan application and increase chances of getting the best personal loan with low interest rate in UAE 2025.
Finding the best personal loan with the lowest interest rate in the UAE in 2025 can save you a lot of money in the long run.
While Emirates NBD, Mashreq, and ADCB offer some of the most competitive rates, it’s important to carefully consider your options and choose the loan that best fits your financial situation.
Remember, a lower interest rate is just one part of the equation-be sure to evaluate all aspects of the loan to ensure it’s the right choice for your needs.
By following these guidelines and doing your research, you can secure the best personal loan with the lowest interest rate, giving you the financial freedom to manage your goals in 2025 and beyond.
FAQs- Best Personal Loan with Lowest Interest Rate in UAE (2025)
1. What is the best personal loan with the lowest interest rate in the UAE for 2025?
The best personal loan with the lowest interest rate in 2025 is offered by Emirates NBD, with rates starting at 3.25% per annum. Other top options include Mashreq Bank, ADCB, and Dubai Islamic Bank, with interest rates ranging from 3.49% to 5.25%.
2. How can I qualify for a personal loan in the UAE?
To qualify for a personal loan in the UAE, you must meet the eligibility criteria set by the bank. This typically includes having a minimum monthly income, a good credit score, and proof of employment or residency. Each bank may have slightly different requirements, so it’s essential to check before applying.
3. Can I get a personal loan without a credit check in the UAE?
Most banks in the UAE require a credit check to assess your eligibility for a personal loan. However, some banks may offer loans with flexible terms for customers with a lower credit score, but these loans typically come with higher interest rates.
4. How long does it take to get a personal loan approval in the UAE?
Loan approval times can vary depending on the bank. Typically, approval takes anywhere from 24 hours to a few business days. Some banks like Mashreq Bank and Emirates NBD offer fast approval processes, sometimes within a day, provided all documentation is complete.
5. Can I borrow more than AED 500,000 with a personal loan in the UAE?
Yes, many banks in the UAE, such as Emirates NBD and FAB, offer personal loans with amounts up to AED 1 million. The amount you can borrow depends on factors like your income, credit score, and the bank’s policies.
6. Are there any hidden fees associated with personal loans in the UAE?
Some personal loans may have hidden fees, such as processing fees, early settlement charges, or late payment penalties. It’s crucial to carefully review the loan agreement to ensure you understand all the associated costs before signing.
7. What is the maximum loan tenure for a personal loan in the UAE?
The maximum loan tenure in the UAE typically ranges from 1 year to 5 years, depending on the bank and the loan amount. A longer tenure will result in lower monthly payments but may increase the total interest paid over the loan term.
8. What is the minimum salary required to apply for a personal loan in the UAE?
The minimum salary required to apply for a personal loan in the UAE varies from bank to bank, but most lenders require a salary of at least AED 5,000 to AED 10,000 per month. Some banks may have different salary requirements for UAE nationals versus expatriates.
9. Can I pay off my personal loan early in the UAE?
Yes, most banks in the UAE allow early repayment of personal loans. However, some banks may charge an early settlement fee for repaying the loan before the agreed term. It’s important to check the terms and conditions of your loan before making an early repayment.
10. Is it possible to apply for a personal loan online in the UAE?
Yes, many banks in the UAE offer online loan application services. You can apply for a personal loan from banks like Emirates NBD, Mashreq Bank, and ADCB directly through their websites or mobile apps, making the process quick and convenient.