Abu Dhabi Commercial Bank Personal Loan for UAE Nationals

Personal Loan up to 8 times your Salary

Personal Loan in UAE
  • Minimum Salary 5000 AED
  • EMI Tenure up to 48 Months
  • Lowest Interest Rates

Get personal loan at Lowest Interest Rate

  • Dubai
  • Abu Dhabi
  • Sharjah
  • Ras Al Khaimah
  • Ajman
  • Other

The Abu Dhabi Commercial Bank offers attractive customized personal loans for the UAE nationals. This ADCB personal loan offers low-rates of interest, high-salary multiples, easy eligibility criteria, and extended tenure. That’s why it is suitable for the nationals of the UAE. Additionally, the borrower may earn TouchPoints against their loan amount.

Interest Rate on ADCB Personal Loan for UAE Nationals

The interest rate charged on this personal loan for expats starts from 5.25% per annum. 

Features    &   Benefits    of   Abu   Dhabi    Commercial    Bank Personal Loan for UAE Nationals



Early Settlement Fee

Yes, 1.5% of outstanding

Low Interest Rate


Free credit card


Free Cheque Book


Salary Transfer


Free Insurance Coverage


Phone Banking


Salary Overdraft


Here are a few features and benefits of adcb personal loan for the UAE nationals: 

Low Rate of Interest

ADCB personal loan interest rate is low making it easy for the applicant to repay it. 

High Salary Multiples

The ADCB bank personal loan for UAE nationals offers higher salary multiples for the applicant. 

Repayment Period

Another attractive benefit of this personal loan for UAE Nationals is the availability of longer tenure for repaying the loan.

Easy Documentation

The process of applying for this personal loan for UAE Nationals is quite simple, thanks to the easy documentation.

Loan Consolidation

The borrower can avail the benefit of consolidation of the loan if they apply for this ADCB personal loan

Complimentary Credit Card

The borrower can avail the benefit of a complimentary adcb credit card along with the facility of salary overdraft for up to three times

Involuntary Loss of Employment Benefit

Optionally, the borrower can avail an insurance cover for Involuntary Loss of Employment Benefit at nominal premium charges.


The borrower may earn 200 TouchPoints on each 1,000 AED of the loan amount if the total loan amount is equal to or more than AED 150,000 and 300 TouchPoints on each 1,000 AED of the loan amount if the total amount is more than AED 150,000. 

Frequently Asked Questions- ADCB Personal Loan for UAE Nationals 

Q.1.  What benefits would I get under Involuntary Loss of Employment Benefit? 

Ans:  If you involuntarily lose your job during the active status of cover,  you will get either 10  percent of the balance outstanding or 5,000 AED (whichever is lower) during 6 months’ indemnity periods.

Q.2.  How can I apply for the ADCB personal loan? 

Ans:  You may apply for ADCB personal loan online, by visiting the nearby branch or through phone banking. 

Q.3.  What how many salary overdrafts can I avail on this loan? 

Ans:  You can avail up to three overdrafts. 

Q.4. Is there any fee if I opt for an early settlement?

Ans:  Yes, there is a charge of 1.5% for a personal loan of ADCB, and a charge of 5% for a personal loan with another bank. 

Q.5. Is there any tool with which I can calculate my monthly payments?

Ans:  Yes, with the ADCB Personal loan Monthly Installment Calculator you can calculate your monthly installment payments. All you have to do is enter the loan amount, interest rate, and the number of installments.

Reviews & Ratings

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