ADCB Personal Loan

The ADCB personal loan is one of the most rewarding loans in the region, with benefits such as membership in the ADCB rewards program.

adcb personal loan

Available for both UAE Nationals and Emirates, the applicants can apply up to 20 times of their salary. Moreover, the interest rates offered as 5.25% and 6.25% for the expats and UAE Nationals respectively, make ADCB Islamic bank personal loan one of the highly claimed products in UAE.

ADCB Personal Loan Interest Rate

Applicants will be charged ADCB personal loan interest rate at a reducing rate, which gets reduced with every installment payment makes by the borrower. The rate of interest can be calculated using ADCB personal loan calculator. This online tool is very useful to calculate ADCB bank personal loan interest rate.

ADCB Personal Finance Interest rate


Interest Rate

TouchPoints Offered*

For Emiratis

5.25% p.a.

Minimum 200 TouchPoints per every 1,000 dirhams of  the finance amount

For Expatriates

6.25% p.a.

Minimum 200 TouchPoints per every 1,000 dirhams  of the finance amount

Interest Rates are subject to change

ADCB Personal Loan TouchPoints

The TouchPoints offered with an ADCB personal loan for expats or UAE Nationals can be redeemed for shopping vouchers across tons   of malls in the UAE and for lifestyle purchases such as spa and massage treatments.

 If the total loan amount is less than or equal to 150,000 dirhams, then the TouchPoints earned is 200 on every 1000 dirhams of the amount. However, if the loan is above 150,000 dirhams, the TouchPoints earned is 300 on every 1000 dirhams of the amount.

ADCB Personal Loan Eligibility Criteria

The ADCB personal loan eligibility parameters are designed to assess an applicant’s creditworthiness and the risk of lending funds to them.


The applicants are required to be a minimum of 21 years of age. This is applicable to both UAE nationals and expats.

Salary Transfer

Applicants may not be able to avail this loan without a salary transfer. Salary transfer must be approved by the applicant's employer.

Credit Score

The applicant’s credit score will be used to determine the maximum ADCB loan amount they are eligible for and subsequently, the applicable ADCB personal loan interest rate as well.

Please note that the eligibility criteria may vary from one bank to another. However, the minimum ADCB personal loan eligibility needs to be met.

ADCB Personal Loan: Documents Required

As per the ADCB personal loan requirements, the following ADCB personal loan documents need to be furnished:

  • Emirates ID
  • Residence Permit
  • Passport & Residence Visa (for non UAE nationals)
  • Salary transfer letter
  • Bank statement

These requirements may change as per ADCB's discretion. Applicants can refer to the ADCB customer care contact number for further information on the same.

Features of ADCB Personal Loan

The unique features of ADCB personal finance include:

  • Maximum loan repayment tenor of up to 48 months
  • Salary transfer is mandatory to avail a personal loan from ADCB Bank
  • 200 TouchPoints for every AED 1,000 of loan amount up to a loan amount AED 150,000
  • 300 TouchPoints on every AED 1,000 of loan amount if the loan amount is above AED 150,000
  • Competitive rate of interests starting from 5.25% to 6.25%, available at a reducing rate
  • Quick and hassle-free documentation ensuring fast loan processing

Benefits of ADCB Personal Loan

Here is a rundown on the benefits and features available on this consumer finance.

Loan Amount

The maximum ADCB personal loan amount one can applied is up to 20 times of their monthly salary.

Life Insurance

Credit life insurance helps in paying the outstanding amount in case of an unexpected medical emergency, leading to delay in payment.

Unemployment Cover

This pays up to 10% of the outstanding loan payments for a period of 6 months and at a fee of 0.1% of the remaining finance amount.

Online Application

From applying for a personal finance to submitting an ADCB personal loan review for the same, the customers can have an access to all financial services with ADCB online banking personal loan. Simply visit the official website and get the most out of personal loan in ADCB Bank.

Loan Deferment

The bank reserves the right to approve postponement of the payment of installments. This is only applicable for the borrowers that have made payment for a minimum of 6 installments, on time.

Touch Points

It also offers membership into the TouchPoints rewards program. TouchPoints can be earned for every AED 1,000 of the finance amount upwards of AED 10,000 in total.

Credit Card

Being amongst the most rewarding personal loans in the UAE, the bank offers a free credit card along with various other benefits with this loan.

Salary Overdraft

The borrower can also enjoy a salary overdraft of up to 3 times (2 times in case of expats) on this finance in the Emirates.

Other Benefits

Other than the various benefits mentioned above, the borrower also gets the facility of loan consolidation. They can avail this loan hassle-free with simple documentation.

How to Calculate ADCB Personal loan EMI?

While applying for personal loan with ADCB Bank, the applicants should be mindful of certain important aspects such as ADCB personal loan rate, ADCB personal loan interest, EMI etc. Loan EMI is the amount one has to pay against a loan amount after applying the offered ADCB personal loan interest rate. The loan EMI is decided at the time of loan agreement. However, one can calculate it even before applying by using ADCB personal loan EMI calculator. This monthly installment calculator helps to get a rough idea on the EMI to be paid for a particular loan amount.

How does ADCB Personal Loan Calculator Works?

ADCB personal loan calculator helps the applicants calculate the loan EMI. In order to get an estimate on the EMI to be paid, the applicant can visit the official website of ADCB Bank. Go to the personal loan tab, browse through the ADCB personal loan calculator and provide the required information such as loan amount, rate of interest, number of installments etc. Once these information is submitted, the EMI calculator suggests the EMI options to be paid.


Q.1.  Is there a method to calculate my ADCB personal loan EMI before applying?

Ans: Yes, ADCB Bank personal loan applicants can make use of an online loan calculator for the UAE ADCB loan for an estimate of the EMI. Applicants will require the interest rate, tenor and loan amount to calculate their monthly EMI.

Q.2.  How long does it take for a loan application to get approved?

Ans: UAE residents that apply for an ADCB personal finance can expect a response within a day of submitting their form and quick approval processes. The application process for these loans for UAE nationals as well as for expatriates may be initiated online, over the phone or in person at the ADCB branches.

Q.3.  Is there an ADCB top-up personal loan?

Ans: Yes, loan top-ups are available for existing borrowers. These top-ups extend the total tenor and the borrowed amount. The interest rates may vary depending upon the additional amount that is availed of.

Q.4.  What is the deferment charge?

Ans: ADCB personal loan borrowers may be granted a loan deferment only after having made 6 months of regular payments. These ADCB bank personal loan deferments can be accessed for AED 105 on each postponement.

Q.5.  Does ADCB personal loan offers TouchPoints benefit

Ans: Loan holders can earn TouchPoints for every AED 1,000 of the borrowed amount over AED 10,000. These TouchPoints are rewards points that allow borrowers to avail of big discounts and promotions on retail purchases, lifestyle expenses and even travel costs.

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