ADIB Personal Loan

Established in 1997, Abu Dhabi Islamic Bank is the first Islamic Bank of Abu Dhabi. Currently the 4th largest Islamic bank across the globe, the bank serves more than 1 million customers. With a wide range of banking solutions available, ADIB has become one of the most preferred banks in the UAE.

ADIB Personal Loan
ADIB Personal Loan
Personal Loan Starting from 2.63%* Interest rate
  • Minimum Salary 5000 AED
  • EMI Tenure up to 48 Months
  • Lowest Interest Rates

Get personal loan at Lowest Interest Rate


Get personal loan at Lowest Interest Rate

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

In this article, we will exclusively discuss the ADIB personal loan, its features, benefits, fees and charges, the application process, and much more in detail.

Features and Benefits of ADIB Personal Loan

With an Abu Dhabi Islamic Bank personal loan, you can avail of the following list of benefits:

  • The bank offers you a finance amount of up to AED 1 million for UAE expatriates and AED 3 million for UAE nationals.
  • You can repay your loan amount within a flexible tenure of up to 4 years.
  • Competitive profit rates 
  • 2 instalment postponements are available without any fee.
  • You have a grace period of up to 120 days before paying off your first instalment.
  • Get your personal loan application pre-approved within 30 minutes.
  • You have the option to opt for comprehensive personal finance takaful coverage for an outstanding balance of up to 2.5 million. 

What are the Eligibility Criteria to Apply for Abu Dhabi Islamic Bank Personal Loan in the UAE?

Before applying for an ADIB personal loan in the Emirates, make sure to meet the following eligibility criteria -

  • You must have a monthly salary of at least AED 8,000.
  • You must be at least 21 years old to apply for the loan.
  • Your age at the time of completion of the finance tenure must be below 65 years (for UAE nationals) and 60 years (for UAE expatriates).
  • You must be an employee of a company or organisation in the approved list of employers of ADIB.
  • You must have an ADIB account to transfer your salary. 

Which Documents are Required for ADIB Personal Loan in the Emirates?

The following set of documents is mandatory for the bank to process a personal loan application -

  • Emirates ID - original and a valid copy
  • Passport - original and valid copy (along with a valid residence visa for expatriates)
  • A valid salary transfer letter/ salary certificate addressed to the bank
  • Latest 3 months’ bank statement (only if the salary is not credited to an ADIB account)

How to Apply for ADIB Personal Loan?

The ADIB application process is a straightforward one. To initiate your application, you can move to the personal loan on and fill out the lead form. Once the quotes page is displayed, you can select and apply for an Abu Dhabi Islamic Bank personal loan. Proceed with the further instructions and submit your loan application request. Once done, one of our agents will get connected to you and help you with the further procedure.

Another way through which you can apply for the loan is via the bank’s official website. In case you come across any issues while filling out the application form online, you can always visit your nearest ADIB bank branch in person.

ADIB Personal Loan: Fees and Charges

The table below has all the fees and charges regarding the ADIB personal loan in the UAE -

Type of Fees Charges
Processing Fee (Non-Refundable if the financing is cancelled) 1% of the finance amount (up to AED 2,500) + VAT (one time)
al etihad credit bureau Fee AED 21 + VAT (one time)
Instalment Postponement Fee No Fee
Fixed fee for the direct administrative cost related to the temporary overdraft against salary AED 100 +VAT (one time)
Non-waived portion of profit in early/ partial/final settlement (one time) Up to the equivalent of 1% of the outstanding Murabaha cost (maximum AED 10,000) (One time)
Direct Debit Authority (DDA) Setup Charge AED 100 + VAT (one time)
DDA Insufficient Fund AED 25 + VAT (one time for each transaction)
DDA Cancellation Fee AED 100 + VAT (one time)
DDA Amendment Fee AED 100 + VAT (for each request)
Donation Commitment to Charity in the Case of Late Payment  AED 100 (for each late payment of instalment)
Personal Finance Takaful Protection (optional) (one time) Starting from 1.25% of the initial/outstanding finance amount (inclusive of VAT)
Total Shares Brokerage Service Fee (s) (buy and sale) * (one time): Dubai Financial Market (DFM): 0.55% of the shares trading amount (max AED 2,475) + VAT Abu Dhabi Stock Exchange: 0.30% of shares trading amount (max AED 2,475) + VAT
Shares profits or losses*: Once you own shares, you will bear the profits or losses 

*Applicable on Shares Finance product only. The fee is applied by ADIB securities, with the shares trading being performed through ADIB securities.

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Abu Dhabi Islamic Bank Personal Loan Calculator

ADIB personal loan calculator is an online tool that helps you evaluate your loan’s monthly instalments. This tool is easy to access and can be found on the official website of the bank. After locating it, simply provide the necessary details as prompted and get your result instantly.

Besides the ADIB personal loan calculator, you can also use our own personal finance calculator to make it easy for you to assess your monthly loan payments. You can continue on, navigate to the personal loan page, and scroll to the bottom to locate the calculator.

To use this calculator, you would simply need to enter the specified details and submit them to get your results in an instant.

Note that the actual instalment amount and other terms related to your personal loan may vary as per the interest/ profit rates.

ADIB Personal Loan: Terms and Conditions

Given below are the major terms and conditions of the ADIB personal loan.

  • The bank operates a third-party sales channel known as the variable sales channel. Individuals employed under this channel are recruited through an outsourced agency and are not directly employed by ADIB. With that said, the sales personnel are fully accountable for adhering to ADIB's terms, conditions, rules, and regulations when handling customers' personal finance applications. As per the ADIB policy, the staff from these external companies will transparently identify themselves. 
  • An ADIB representative will ensure a comprehensive explanation to the customer regarding ADIB's policy, which outlines the maximum percentage that can be deducted from the customer's monthly salary (DSR) to cover all their monthly liabilities across various financial institutions. This includes their monthly financial obligations to ADIB. It is important to note that the combined monthly payments for all these financial liabilities, under any circumstances, should not exceed 50% / 30% of the customer's monthly gross salary or pension income. This calculation takes into account the monthly housing allowance provided by the customer's employer or the accommodation add-back allowance if accommodation is provided by the customer's employer.
  • If a customer decides to withdraw their expressed consent for data sharing in the future, it will not impact any prior expressed consent given through the finance application form and other financing agreements unless the bank accepts the withdrawal. In the event of an accepted withdrawal request, the implementation of the withdrawal will require a period of 30 calendar days from the date of the request. 
  • The bank is authorised to share the customer's submitted information and financial details with government-authorised Credit Information Agencies. It’s vital to note that future access to financing products and/or financial services may be subject to certain limitations based on the customer's records provided to these agencies. 

To get a detailed list of terms and conditions, check out the official website of ADIB.

Frequently Asked Questions

Q1. Is the loan repayment tenure of Ministry Of Defence borrowers the same as other borrowers?

Ans: No, MOD personnel get a loan repayment tenure of up to 60 months.

Q2. Does ADIB charge any instalment postponement fee in a personal loan?

Ans: The bank doesn’t charge any fees for up to 2 postponements of your ADIB personal loan instalments in a year.

Q3. Are there any upfront instalment deferments for the ADIB personal loan?

Ans: Yes, you get up to 120 days of instalment deferment for the first instalment.

Reviews & Ratings

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