Getting access to affordable financing in the UAE is more important than ever, especially when you're trying to avoid high interest rates or hidden fees. That's where zero interest loans in the UAE come into play.
Whether you're an expat or a UAE national, understanding your options for interest-free personal loans can help you stay financially secure while managing emergencies, making big purchases, or consolidating debt.
In 2025, several UAE banks, including Islamic finance providers, are offering 0% interest loan options, including Murabaha-based loans, easy payment plans (EPPs), and even raffle-based offers like Al Maryah Community Bank's 0% loan draw.
But before applying, it's essential to understand how zero interest loans work in the UAE, the eligibility criteria, and quick approval steps, especially if you're relying on your salary or employment status.
This guide breaks down everything you need to know, with verified information from licensed financial institutions and up-to-date regulations.
We'll also link you to helpful resources such as:
- Islamic personal loans in UAE for expats
- Salary-transfer loans with no interest
- Best banks offering 0% easy payment plans in 2025
Whether you're applying for your first personal loan in the UAE or seeking interest-free financing for emergencies, this guide will help you make a safe, informed decision backed by financial best practices.
What are zero interest Personal Loan ?
Zero interest personal loans in the UAE, also referred to as interest-free loans, are financing options where borrowers repay only the principal amount over a fixed repayment period with no interest charged.
As of 2025, these loans have become increasingly popular in the UAE due to their affordability and flexibility. They are offered in several forms:
- 0% credit card installment plans for electronics, furniture, or travel
- Buy Now, Pay Later (BNPL) services from UAE-based fintech platforms
- Salary-transfer personal loans offered by select banks and employers
- No-interest loans supported by government programs or fintech partnerships
These interest-free personal loan options are commonly used for medical emergencies, education expenses, vacation costs, or debt consolidation.
Key Features of Zero Interest Loan in UAE 2025
When selecting the best zero interest loan in the UAE, it’s important to evaluate key factors that impact your borrowing experience:
- Loan Tenure: Most 0% interest loans have short repayment periods, typically between 3 to 12 months, depending on the provider.
- Eligibility Requirements: Some lenders may require salary transfer, a minimum income level, or an existing relationship with the bank.
- Required Documentation: Be prepared to provide basic documents such as Emirates ID, salary certificate, and recent bank statements.
- Penalties & Fees: While interest-free, these loans may carry late payment fees or processing charges, so read the fine print carefully.
- Loan Amount Limits: Zero-interest loans are usually capped, often ranging between AED 500 to AED 20,000, making them suitable for smaller purchases or emergencies.
Always compare multiple providers to find the loan that best suits your financial situation.
Top 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 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:
Research Lenders:
Start by researching banks, financial institutions, and employers that offer zero-interest loans.
Check their eligibility criteria, loan terms, and application process.
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.
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.
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.
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.
Final Thoughts on Zero Interest Personal Loans in the UAE
While the idea of a zero-interest personal loan in the UAE is undoubtedly attractive, it's important to recognize that these financing options are still less common than traditional loans that charge interest.
To increase your chances of qualifying, explore alternatives such as Islamic personal loans, salary-transfer loans, or government-backed no-interest loan schemes. These options often align with Shariah principles or are offered by employers and fintech platforms.
Always conduct thorough research, verify the loan eligibility criteria, and review any processing fees or hidden charges before signing an agreement.
If you're serious about finding a personal loan with favorable terms, take the time to compare personal loan offers from multiple lenders. This ensures you find a solution that fits your financial needs while staying compliant with UAE regulations.