ADCB Personal Loan

Personal Loan up to 8 times your Salary

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  • Hassle-free documentation
  • EMI Tenure up to 48 Months
  • Lowest Interest Rates

Get personal loan at Lowest Interest Rate

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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 for a loan amount that is up to 20 times 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 the 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 the ADCB personal loan calculator. This online tool is very useful to calculate ADCB bank personal loan interest rate.

ADCB Personal Loan Interest rate
Category Interest Rate TouchPoints Offered* Salary Transfer Minimum Salary Required


Personal Loan For UAE Nationals

5.25% p.a.

Minimum 200 TouchPoints per every AED 1,000 loan amount


AED 5,000


Personal Loan For Expats

6.25% p.a.

Minimum 200 TouchPoints per every AED 1,000 loan amount


AED 5,000

*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. The following are the number of TouchPoints earned basis on the loan amount:

  • If the total loan amount is less than or equal to AED 150,000, the TouchPoints earned is 200 on every AED 1,000 of the
  • If the total loan amount is  more than AED 150,000, the TouchPoints earned  is 300 on every AED 1,000 of the

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, the UAE nationals and the expats.

Salary Transfer

Applicants may not be able to avail this loan without a salary transfer. The 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.

The bank may have different criteria depending on the personal loan requirements, however, the minimum ADCB personal loan eligibility needs to be met by every applicant.

ADCB Personal Loan: Documents Required

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

  • Completed loan application form
  • EIDA Card
  • Passport
  • Residence Visa (for non-UAE nationals)
  • Salary transfer letter
  • Salary certificate (should be dated 30 days or less from the loan application’s date)
  • Bank statement (last 3 months)
  • Liability or clearance letter (when switching from another loan provider) 

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 the loan amount up to a loan amount AED 150,000
  • 300 TouchPoints on every AED 1,000 of the 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

Feature Availability

Free Credit Card


Free Cheque Book


Salary Transfer


Free Insurance Coverage


Phone Banking


Salary Overdraft


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

Loan Amount 

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

Life Insurance

Credit life insurance helps in paying the outstanding amount in case of an unexpected medical emergency that may lead to a 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 personal finance to submitting an ADCB personal loan review for the same,  the customers can have access to all financial services with the ADCB online banking personal loan. Simply visit the official website and get the most out of a personal loan in ADCB Bank.


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 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 for UAE nationals and up to 2 times for 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, and have access to easy banking methods such as phone banking for their banking requirements.

How to Calculate ADCB Personal loan EMI?

While applying for a 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 the 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. 


EMI Calculator
Loan Amount

(From AED 10,000 to AED 10,000,000)

Interest Rate

Reducing Rate (1% - 50%)

Loan Tenure

(Minimum 1 and Maximum 240 months)

Total Interest Amount


Monthly Instalment


Total Payable (Principal+Interest)


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 the loan amount, rate of interest, number of installments, etc. Once this 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.    Is there any early settlement fee? 

Ans: ADCB personal loan borrowers are charged an early settlement fee depending on the type of loan. The table below details the fee charged:

Loan Type Expatriates UAE Nationals

ADCB loans

1.5% of the loan outstanding amount

1.5% of the loan outstanding amount

Other banks’ loans

5% of the loan outstanding amount

5% of the loan outstanding amount

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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