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Looking for a personal loan in UAE 2500 salary? It is very unlikely for the banks to provide 2,500 salary loans in UAE. In fact, it is almost impossible to find a personal loan with an income below AED 3,000. One of the options that you can try is First Abu Dhabi Bank (FAB) Lifeline- Revolving Overdraft.
However, there are certain issues attached to this and the chances of getting these loans are dependent on the concerned cases. For instance, FAB Lifeline is an overdraft facility and not a personal loan that can be obtained on a minimum income of AED 2,000.
If you wish to opt for a personal loan in UAE 2500 salary, you must be prepared to bear a slightly higher interest rate. This is because such a personal loan is unsecured and has flexible repayment tenure, which is generally 48 months. Also, there would be many more things that you must know when you apply for a personal with low salary because the process of risk assessment is greater.
In order to be eligible for a personal loan in UAE, you will have to submit certain documents and fulfill some requirements as mentioned below. While talking about the requirements you must keep in mind that there are hardly any banks in the UAE that offer personal loans for 2500 salary, the applicant is expected to earn at least AED 3,000 per month.
As mentioned above, personal loan minimum salary 2500 is a rare occurrence in the UAE. However, there are a few banks that offer personal loans at a minimum income of AED 3,000. Here are some of them.
RAKBANK is one of the banks in the UAE, which offer personal loans at a minimum income of AED 3,000 per month. It charges the borrowers with a reducing rate of interest of up to 5.99% and a flexible loan duration of up to 48 months. It also offers the borrowers an option of early settlement (fee applicable) and a huge loan amount for meeting their financial needs.
Minimum Income |
AED 3,000 |
Processing Fees |
1% of the finance amount |
Maximum loan amount |
AED 1,500,000 |
Reducing Rate of Interest |
5.99% |
Early Settlement Charge |
1% of the amount outstanding |
Salary Transfer |
Not Mandatory |
Click here to Apply for RAKBANK Personal Loan |
*The figures are subject to changes as per the discretion of the bank.
Use Personal Loan Calculator To Check Personal Loan EMI
Dubai Islamic Bank or DIB is another leading bank in the UAE, which falls under this category of personal loans. It offers a high loan amount and a flexible loan duration of 48 months for making the repayment of this amount. There are 4 main types of Dubai Islamic Bank personal loan. The tables below show the highlights of these loans.
1. DIB Al Islami Goods Finance for Expatriates
Minimum Income |
AED 3,000 |
Processing Fees |
AED 1,050 to AED 2,620 |
Maximum loan amount |
AED 2,000,000 |
Reducing Rate of Interest |
6% |
Early Settlement Charge |
1% of the amount outstanding (AED 10,000 maximum) |
Salary Transfer |
Not Mandatory |
2. DIB Al Islami Goods Finance for UAE Nationals
Minimum Income |
AED 3,000 |
Processing Fees |
AED 1,050 to AED 2,620 |
Maximum loan amount |
AED 4,000,000 |
Reducing Rate of Interest |
6% |
Early Settlement Charge |
1% of the amount outstanding (AED 10,000 maximum) |
Salary Transfer |
Not Mandatory |
3. DIB Al Islami Services Ijarah for Expatriates
Minimum Income |
AED 3,000 |
Processing Fees |
AED 1,050 to AED 2,620 |
Maximum loan amount |
AED 1,000,000 |
Reducing Rate of Interest |
6% |
Early Settlement Charge |
1% of the amount outstanding (AED 10,000 maximum) |
Salary Transfer |
Not Mandatory |
4. DIB Al Islami Services Ijarah for UAE Nationals
Minimum Income |
AED 3,000 |
Processing Fees |
AED 1,050 to AED 2,620 |
Maximum loan amount |
AED 2,000,000 |
Reducing Rate of Interest |
6% |
Early Settlement Charge |
1% of the amount outstanding (AED 10,000 maximum) |
Salary Transfer |
Not Mandatory |
5. DIB Personal Finance for Expatriates
Minimum Income |
AED 3,000 |
Processing Fees |
AED 1,050 to AED 2,620 |
Maximum loan amount |
AED 2,000,000 |
Reducing Rate of Interest |
6% |
Early Settlement Charge |
1% of the amount outstanding (AED 10,000 maximum) |
Salary Transfer |
Not Mandatory |
6. DIB Personal Finance for UAE Nationals
Minimum Income |
AED 3,000 |
Processing Fees |
AED 1,050 to AED 2,620 |
Maximum loan amount |
AED 4,000,000 |
Reducing Rate of Interest |
6% |
Early Settlement Charge |
1% of the amount outstanding (AED 10,000 maximum) |
Salary Transfer |
Not Mandatory |
Click here to Apply for Dubai Islamic Personal Loan |
*The figures are subject to changes as per the discretion of the bank.
Arab Bank is another renowned bank in the UAE, which offers financial and banking services throughout the Emirates. The bank offers personal loans in the UAE at a low rate of interest and a flexible repayment period. You can easily obtain a high loan because Arab bank personal loan minimum salary 3000 per month.
Minimum Income |
AED 3,000 |
Processing Fees |
AED 1,000 |
Maximum loan amount |
AED 550,000 |
Reducing Rate of Interest |
5.99% |
Early Settlement Charge |
1% of the amount outstanding |
Salary Transfer |
Not Mandatory |
Click here to Apply for Arab Bank Personal Loan |
*The figures are subject to changes as per the discretion of the bank.
Here is a list of the required documents to avail a personal loan in UAE 2500 salary.
Note: The documents required may vary from one lender to another.
Note: The eligibility requirements may vary from one lender to another.
To Sum Up!
A personal loan in UAE may help you in making your dreams come true. However, to obtain one, you need to submit some documents and meet the eligibility criteria as determined by the concerned bank.
Your monthly income is an important aspect when it comes to the eligibility requirements for the loan. Finding a personal loan in UAE 2500 salary may not be very simple as most of the banks offer loans to those with a minimum salary of AED 3,000. However, you can check with the concerned banks for an exception.
Answer: Yes, the concerned bank will check your credit score to decide whether or not to approve your loan request.
Answer: Yes, expats can obtain this personal loan; however, they must fulfil the eligibility criteria as determined by the concerned bank.
Answer: Under this facility, the amount of loan that will be credited to your bank account and the borrower will have to make payment of the rate of interest only on that amount that he or she has used.
Answer: No, there is no need to give collateral for this type of loan.
Answer: Although you need to have a good credit score to be able to apply for this loan; however, you can still apply for this loan if you have a low credit score. But you will have to meet certain eligibility requirements as determined by the lender.
Answer: Whether or not to transfer your salary for availing the loan is also based on the eligibility requirements determined by each lender. Some of the lenders have made it mandatory to transfer salary to be eligible for this personal loan while in the case of others it is not compulsory.
Answer: Since your minimum income per month is pretty low, it increases the risk for the lender; hence, you may have to face slightly higher personal loan interest rate in UAE. But again, it is based on the discretion of the concerned lender.
Answer: Yes, you can also opt for a personal loan in the following salary brackets-
Answer: Most of the banks in the UAE offer personal loans only to those customers who work in a company that is a part of their approved companies’ list. However, this may vary from one bank to another.
Answer: You should be at least 21 years old to be able to obtain this personal loan.