Looking for a Zero Interest Loan in the UAE? While rare in traditional banking, Sharia-compliant banks like ADIB and DIB offer Qard Hasan loans with no interest, only minimal fees.

Some conventional banks may also offers limited-time 0% interest personal loan on balance transfers or short-term instalments.

Eligibility criteria of  Zero Interest Loan in the UAE typically depends on salary (AED 5,000–15,000), job stability of applicant, and credit score.

Expats can also explore salary advances or low-rate loans starting from 2.99% APR. Always check for hidden fees or strict terms.

This guide helps you discuss on zero-interest personal loans in UAE which helps to get personal loan in UAE quickly.

What is a Zero-Interest Personal Loan?

A zero-interest personal loan is exactly what it sounds like – a loan where the borrower is not required to pay any interest over the loan term.

While this concept may seem like a dream, there are certain circumstances in which a zero-interest loan may be offered, but it's not as common as traditional loans that charge interest.

Is It Really Possible to Get a Zero-Interest Loan in the UAE?

In the UAE, offering a zero-interest loan is rare in the traditional financial landscape, but there are some specific scenarios in which it might be possible:

• Islamic Personal Loans
  Islamic finance principles are based on Shariah law, which prohibits the charging of interest (riba). Instead, Islamic financial institutions provide loans under different terms, where the lender shares in the risk and profit. These loans may not be “zero-interest” in the traditional sense, but they don’t carry interest. Instead, the borrower might pay fees or a profit rate that reflects the cost of the financing.
• Employer-Backed Loans
  Some companies in the UAE offer zero-interest loans to their employees as part of an employee welfare program. These loans are usually given for specific purposes like medical emergencies or urgent personal needs. While this is a rare benefit, some employers offer this to assist their staff.
• Special Promotional Offers
  Some banks or financial institutions in the UAE may offer zero-interest personal loans as part of a limited-time promotion. These offers are typically available for a short duration and are subject to specific eligibility criteria, such as salary limits, loan amount, or tenure.
• Government-Supported Loans
  For Emirati citizens, the UAE government offers various subsidized loan schemes that may come with favorable terms, including low or zero-interest rates. However, such loans are generally not available to expats, as they are specifically tailored to UAE nationals.

Zero Interest Loans in UAE 2025: Compare 7 Lenders Offering 0% Easy Payment Plans

Looking to finance your purchases or personal needs without paying any interest? Several UAE banks offer 0% Easy Payment Plans (EPPs) and zero-interest personal finance options in 2025. Here’s a detailed comparison of top lenders, including categories, application methods, and eligibility criteria.

Top Lenders Offering 0% Interest personal loan in UAE

List lenders offers 0% Interest on Personal Loan in UAE

Several UAE lenders like ADIB, DIB, and Al Maryah Community Bank offer 0% interest personal loans through Sharia-compliant Qard Hasan or special promotions.

These loans charge minimal fees instead of interest. Eligibility of 0% interest personal loan depends on salary, employment stability, and credit score, with some offers requiring salary transfers or limited-time application.

1. Emirates NBD

Emirates NBD offers 0% Easy Payment Plans (EPP) at a wide range of partner stores across the UAE. Customers can convert large purchases into easy monthly installments without paying any interest.

Categories include electronics, travel, jewelry, home appliances, and more. The plans are available on Emirates NBD credit cards with tenures of up to 24 months.

The bank also provides quick personal loans with minimal paperwork. Applications can be completed digitally via their app or website, ensuring convenience.

Eligibility Criteria of Easy Payment Plans (EPP) of Emirates NBD :

• UAE resident
• Minimum salary: AED 5,000
• Valid Emirates ID & proof of employment
• Emirates NBD credit card required for EPP

2. Mashreq Bank

Mashreq Bank provides 0% interest installment plans on purchases at partner merchants across categories like electronics, fashion, travel, healthcare, and education. Tenures range from 3 to 24 months with no hidden fees.

Personal loans are also available with fast digital approval through Mashreq Neo. The application process is seamless and quick for eligible applicants.

Eligibility Criteria:

• UAE resident
• Minimum salary: AED 7,000 (loan), AED 5,000 (credit card)
• Valid Emirates ID, passport, visa
• Employment with a listed company

3. Abu Dhabi Commercial Bank (ADCB)

ADCB offers 0% Easy Payment Plans through its credit cards at selected partner stores across electronics, education, travel, and healthcare categories. You can split payments into 3-12 month installments without interest.

Personal loans come with low rates and instant online approvals. Pre-qualified customers can check offers using the ADCB mobile app or website.

Eligibility Criteria:

• UAE resident
• Minimum salary: AED 5,000
• Salary transfer preferred for lower rates
• Good credit score (650+ AECB)

4. HSBC UAE

HSBC provides 0% installment plans on credit card transactions with leading UAE merchants in electronics, travel, lifestyle, and health. Repayment options go up to 24 months with zero processing fees for a limited time.

Personal loans offer fast-track approval for salary account holders. Applications can be made via the HSBC UAE app or website.

Eligibility Criteria:

• UAE resident
• Minimum salary: AED 10,000
• Valid Emirates ID and income documents
• Salary account with HSBC preferred

5. Sharjah Islamic Bank (SIB)

Sharjah Islamic Bank provides Shariah-compliant “Easy Cash” on credit cards with 0% profit for up to 6 months. 0% installment plans are also available on electronics, education, and healthcare. All finance products follow Islamic banking principles. Applications are digital and require minimal documentation for quick processing.

Eligibility Criteria:

• UAE resident
• Minimum salary: AED 8,000
• Valid Emirates ID & salary certificate
• SIB credit card required for Easy Cash

6. First Abu Dhabi Bank (FAB)

FAB offers 0% Easy Payment Plans at selected partners across electronics, lifestyle, education, and healthcare. Payments can be split over 3–24 months with no extra charges.

Personal loans feature fast approvals and better rates for salary-transfer customers. Applications can be submitted through FAB's online or mobile platforms.

Eligibility Criteria:

• UAE resident
• Minimum salary: AED 7,000
• Valid Emirates ID and visa
• Salary transfer to FAB preferred

7. Dubai Islamic Bank (DIB)

Dubai Islamic Bank offers Shariah-compliant 0% installment plans for purchases across electronics, travel, and healthcare. These plans are available for up to 12 months without profit charges.

Personal finance is also available with flexible repayment options and fast processing. Applications are done online or via the DIB app.

Eligibility Criteria:

• UAE resident
• Minimum salary: AED 5,000
• Valid Emirates ID & salary documents
• Employer should comply with Islamic financing principles

Eligibility Criteria for Zero-Interest Loans

Even when zero-interest loans are available, there are strict eligibility criteria. These can vary based on the lender and the type of loan you are applying for. Some common eligibility requirements include:

• Employment Status: A steady and stable source of income is often required to qualify for any type of personal loan.
• Salary Level: Many banks or institutions require that you earn a certain minimum salary, which can vary from lender to lender.
• Loan Amount: Zero-interest loans may only be available for smaller amounts, or in some cases, only for specific purposes (e.g., emergencies or medical bills).
• Credit History: A strong credit history is essential. Some lenders may not offer zero-interest loans to individuals with poor credit scores.

How to Apply for a Zero-Interest Loan in the UAE

If you believe you meet the requirements for a zero-interest loan, here’s a general process for applying:

1. Research Lenders: Start by researching banks, financial institutions, and employers that offer zero-interest loans. Check their eligibility criteria, loan terms, and application process.
2. Prepare Your Documents: Common documents required include your Emirates ID, residency visa, salary certificate, and bank statements. If you are applying for a loan through your employer, they may have additional requirements.
3. Submit an Application: Once you’ve identified the best loan option, complete the application either online or in person at the financial institution. Make sure to review the loan terms before submitting your application.
4. Wait for Approval: Lenders will typically take a few days to process the application. If you meet all requirements, you will be notified of the loan approval and the terms.
5. Repayment Terms: Ensure you understand the repayment schedule. Even though the loan may be interest-free, the amount you owe will still need to be repaid within the stipulated time frame.

Advantages of Zero-Interest Loans in UAE

• Lower Repayment Amount: Without interest, your repayments will be lower compared to traditional loans, making them easier to manage.
• Financial Relief: If you are facing financial difficulties, a zero-interest loan can provide the necessary support without the added burden of accruing interest.
• Peace of Mind: Since you aren’t paying interest, you can rest assured that the total amount of your loan won’t increase over time.

Disadvantages of Zero-Interest Loans in UAE

• Limited Availability: As discussed, zero-interest loans are not widely available, and you may only find them through specific financial institutions, employers, or government schemes.
• Eligibility Requirements: The criteria for qualifying for a zero-interest loan can be stringent, making it difficult for some people to qualify.
• Potential Fees: Even if the loan is interest-free, some lenders might charge processing fees or other administrative costs, so be sure to read the fine print before accepting the loan.

While the idea of a zero-interest personal loan in the UAE may seem appealing, it is important to understand that they are not as common as traditional personal loans that charge interest.

The best way to take advantage of this option is to explore Islamic personal loans, employer-backed loans, or government schemes (if applicable). Always do thorough research, check eligibility, and be aware of any additional fees or charges before applying.

If you are looking for a personal loan with favorable terms, consider comparing different lenders and their offerings to find the one that best suits your needs and financial situation.