Emirates NBD Personal Loan for Expats & UAE Nationals

Personal Loan up to 8 times your Salary

Personal Loan in UAE

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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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Emirates NBD personal loan for Expats & UAE Nationals is offered at reducing interest rates up to 5.24% with a maximum repayment period of 48 months i.e. 4 years The applicant can avail the same in the case of a financial emergency. With the personal cash loan, even those individuals who are employed by companies which are not on the approved list of Emirates NBD can avail additional funds. 

Features & Benefits Emirates NBD personal loan for Expats & UAE Nationals



Salary Transfer


Early settlement

Yes 1% of settlement amount



Free Credit Card


Free Personalized Cheque Book


Free Insurance


Introductory Offers


Phone Banking


Following are the key features & benefits of Emirates NBD personal loan for expats & UAE nationals: 

  • Loan Amount: The borrower can avail a high loan amount up to 600,000 AED. 
  • Salary Transfer: The personal loan can be availed without salary transfer
  • Facility of Seven-Day Loan Return: As per the applicable terms and conditions, the borrower who is not fully satisfied after the disbursal of personal cash loan can return it without any charges (with all fees & charges waived off). 

Please Note- To avail the policy of seven-day loan return, the borrower must inform the bank/sales agent within seven days. 

  • Double Insurance Coverage: Under double insurance, the Emirates NBD personal loan borrower is insured. In the event of an unfortunate circumstance, the partner insurance company will pay the loan outstanding and provide an equivalent amount to the borrower’s next of kin. 

Eligibility & Documents Required


Particulars Descriptions

 Minimum Income Required

  • AED 6000 for applicant having an existing account and auto loan/ credit card with Emirates NBD.
  • AED 12000 for applicants having an existing account but no auto loan or credit card with Emirates NBD.

 Other Requirements

  • 12 months (minimum) banking relationship is required.
  • 6 salary credits during 6 months length of service of the applicant with the current employer.

Documents Required

Particulars Descriptions

 Proof of Identity/Address

  • Original & copy of Emirates ID
  • Idbara page of ‘UAE NationalsPassport Copy with Resident Visa Page Utility bill or Residency Proof
  • Security Cheque (undated)
  • Statements of credit cards (if applicable)

 Salaried Individual

Bank Statement of the last 3 months Latest Salary Transfer letter

 Self-employed Individual

  • Bank Statement of the last 6 months Power of Attorney
  • Trade License Memorandum of Association

 Personal Loan to Minor

Attested copies of co-borrowers/guarantor’s Emirates ID, Passport & Visa, Trade License, and Income Details.

Note- If needed, additional documents may be required. 

Emirates NBD Credit Card Loan -  Check Interest Rates & Eligibility
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Frequently Asked Questions

Q.1.  What is the maximum tenor for a personal loan? 

Ans:  The maximum loan tenor is 48 months. 

Q.2.  What is the minimum time required to process an application for Emirates NBD personal loan?

Ans:  It takes at least two working days to process an application for Emirates NBD personal loan. 

Q.3.  Do I need to pay any loan processing fee? 

Ans:  Yes, you need to pay 1 percent of the loan amount as a loan processing fee. 

Q.4.  Is it mandatory to be an existing customer of Emirates NBD to be eligible for the personal loan?

Ans:  Yes, the applicant must have at least 12 months of banking relationship with Emirates NBD. 

Q.5.  What is the loan cancellation charge? 

Ans:  The borrower needs to pay 50 AED for cancelling the ENBD personal loan.

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