Top 10 Best Banks For Personal Loan in UAE with 25000 Salary

Personal Loan in UAE

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Finding the right personal loan product that suits all the unique requirements of a borrower can be a tricky task given the extensive number of options available in the emirates. A majority of banks and finance houses offer personal loans in UAE, given the popularity of these loans among customers. Candidates with a certain level of monthly salary can get personal loans depending on the qualifying criteria set by the bank. 

This piece will cover personal loans for AED 25,000 salary in UAE and their individual features.

Top 10 Personal Loans for AED 25,000 Salary in UAE

Given below is an overview of the 10 most popular personal loans for 25,000 salary in the UAE from some of the best banks in the UAE: 

Loan Product

Flat Rate Starting from

Reducing Rate Starting from

Minimum Monthly Salary Required

Salary Transfer

Citibank Personal Loan without Salary Transfer

7.70%

14%

AED 8,000

Not required

FAB  Non-Salary Transfer Personal Loan for Expats

8.39%

14.99%

AED 15,000

Not required

Emirates NBD Personal Loan for Expats

2.77%

5.49%

AED 5,000

Required

Emirates Islamic Personal Loan for Expats

2.89%

5.40%

AED 10,000

Required

Abu Dhabi Commercial Bank Personal Loan

3.45%

6.25%

AED 7,500

Required

Commercial Bank of Dubai Digi Personal Loan 

NA 

15.99%

AED 8,000

Not Required

RAKBANK Personal Loans

2.75%

4.99%

AED 5,000

Required

Mashreq Bank Personal Loans for Expats

3.43%

6.49%

AED 7,000

Required

HSBC Personal Loan

NA

6.99%

AED 10,000

Required

Ajman Bank Personal Loan

3.30%

5.99%

AED 8,000

Not required

Note: Interest rates of personal loans are subject to change as per market standards. 

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1. Citibank Personal Loan without Salary Transfer

Citibank is one of the most-trusted international banks in the country when it comes to loan products and credit cards. Citibank personal loan without salary transfer is an excellent choice for people who would like to finance a few of their personal expenses without changing their salary account. 

Let’s cover some key aspects of this personal loan for AED 25,000 salary in UAE. 

  • Flat Rates of Interest: From 7.70%
  • Reducing Rates of Interest: From 14%
  • Minimum Salary Required: AED 8,000

Key Features of the Loan 

  • Citibank personal loan for 25,000 salary can be availed by both UAE nationals and residents 
  • Employed professionals can take this personal loan after completing 3 months at their current job 
  • The maximum available loan amount is AED 175,000 for personal loans without salary transfer. On the other hand, up to AED 500,000 loan amount can be availed of if salary is transferred. 
  • Any loan tenure ranging from 6 to 48 months can be availed - the borrower is free to choose any loan tenure that suits their requirements 
  • Borrowers can get Noon vouchers worth up to AED 1,000 with Citibank personal loan for 25,000 salary in UAE
  • Candidates can avail of flat or reducing rates of interest for their Citibank personal loan for 25,000 salary. 
Click here to Apply for this Personal Loan

2. FAB Non-Salary Transfer Personal Loan for Ex-pats

First Abu Dhabi Bank, better known as FAB, is a relatively new but highly popular bank in the UAE. FAB, established in 2007 as a regional bank in the emirates, has quickly become one of the most-trusted lenders. FAB offers highly convenient personal financing options for ex-pats and nationals residing in the emirates. Let’s take a look at its non-salary transfer personal loan for ex-pats. 

  • Flat Rates of Interest: From 8.39%
  • Reducing Rates of Interest: From 14.99%
  • Minimum Salary Required: AED 15,000

Key Features of the Loan

  • UAE ex-pats older than 21 years of age who have completed at least 18 months with the current employer can apply for this loan 
  • One can get a loan amount of up to AED 600,000 with this FAB personal loan for 25,000 salary 
  • The non-salary transfer personal loan comes with a flexible tenure of up to 48 months 
  • Salary transfer to FAB is not required to get this personal loan for 25,000 salary. Loan instalments can be paid off directly from the account in which the candidate is currently receiving their salary. 
  • This FAB personal loan can be availed of even if the employer of the candidate is not included in the approved list of employers by FAB 
  • Borrowers can enjoy a complimentary life insurance cover with this loan 
Click here to Apply for this Personal Loan

3. Emirates NBD Personal Loan for Ex-pats

Emirates NBD offers several specialised personal financing options for different pools of candidates. One of its most popular products is personal loans for ex-pats, as this loan can be easily obtained by candidates with an AED 25,000 monthly salary in the UAE. 

Let’s cover the key details and benefits of this loan. 

  • Flat Rates of Interest: From 2.77%
  • Reducing Rates of Interest: From 5.49%
  • Minimum Salary Required: AED 5,000

Key Features of the Loan 

  • Emirates NBD personal loans without salary transfer offer loan amount of up to AED 4 million 
  • A flexible repayment period of up to 48 months can be availed for this personal loan for AED 25,000 salary in UAE 
  • Both reducing and flat rates of interest are offered for this personal loan in UAE for AED 25,000 salary 
  • Borrowers can avail of free credit life insurance cover with the loan 
  • Deferment of two loan instalments per year is allowed for this Emirates NBD personal loan 
  • Borrowers get a free Emirates NBD bank account and a free debit card with this personal loan for 25,000 salary 
Click here to Apply for this Personal Loan

4. Emirates Islamic Bank Personal Finance

With the flexibility of use and tenure along with a minimum salary requirement of only AED 10,000, Emirates Islamic Bank personal loans have proven to be among the best personal loan products in the emirates. Be it your school/college fees or urgent medical expenses, you can use this personal loan for 25,000 salary freely for all purposes. 

  • Flat Rates of Interest: From 2.25% for UAE nationals || 2.89% for UAE Ex-pats
  • Reducing Rates of Interest: From 4.20% for UAE nationals || 5.40% for UAE Ex-pats
  • Minimum Salary Required: AED 10,000

Key Features of the Loan

  • Both UAE nationals and ex-pats older than 21 years of age can apply for this personal loan for 25,000 salary by Emirates Islamic Bank 
  • Ex-pats can avail of up to AED 2 million as loan amount while UAE nationals can get up to AED 4 million as loan amount 
  • This personal loan for AED 25,000 salary is available with a flexible repayment tenure of 48 months for a standard debt settlement plan 
  • Emirates Islamic personal finance can be used to consolidate different loans and pay them off using a single monthly instalment 
Click here to Apply for this Personal Loan

5. ADCB Personal Loan

Offering high loan amounts, easy documentation, and swift approvals, the ADCB personal loan for 25,000 salary is one of the best personal loan products in the country. The bank offers highly competitive interest rates and flexible loan tenure. Let’s take a better look at its particulars. 

  • Flat Rates of Interest: From 3.45%
  • Reducing Rates of Interest: From 6.25%
  • Minimum Salary Required: AED 7,500

Key Features of the Loan

  • Available for both UAE nationals and ex-pats older than 21 years of age possessing the required documents for the loan
  • High loan amounts are available for this ADCB personal loan with 25,000 salary. UAE nationals can get up to AED 750,000 loan amount while ex-pats can get up to AED 600,000 loan amount. 
  • The loan top-up facility for ADCB personal loans can be utilised after 6 months from the disbursal of the loan 
  • Credit life insurance facility, while not mandatory, can be obtained with a minimal additional fee 
  • Both flat and reducing rates of interest are available for this personal loan for AED 25,000 salary in UAE
Click here to Apply for this Personal Loan

6. CBD Digi Personal Loan

A completely digital personal loan, CBD Digi personal loan can be availed of in a matter of 10 minutes using nothing but your emirates ID. You can easily apply for the loan using online platforms and get approvals within a few minutes followed by the loan amount disbursal. 

The following are the key features and benefits of this loan product. 

  • Flat Rates of Interest: NA
  • Reducing Rates of Interest: From 15.99%
  • Minimum Salary Required: AED 10,000

Key Features of the Loan

  • CBD Digi personal loan is available for all UAE ex-pats older than 21 years holding valid emirates ID and a confirmed salaried job 
  • A minimum of 6 months of service period is required to be considered eligible for this personal loan for 25,000 salary 
  • Up to AED 150,000 can be availed as a loan amount with CBD Digi personal loans in the emirates 
  • This digital personal loan features a paperless application process and requires only the emirates ID of the borrower as a mandatory application document 
Click here to Apply for this Personal Loan

7. RAKBANK Personal Loan

RAKBANK offers a single personal loan product to all eligible candidates including UAE nationals and residents, whether salaried or self-employed. Candidates with AED 25,000 monthly salary can easily get this loan given the low minimum salary requirements set by the bank. Let’s have a look at its aspects in detail:

  • Flat Rates of Interest: From 2.75%
  • Reducing Rates of Interest: From 4.99%
  • Minimum Salary Required: AED 5,000

Key Features of the Loan

  • UAE nationals and ex-pats older than 21 years of age can avail of this personal loan for 25,000 salary 
  • Loan amounts up to 20 times the salary of the borrower can be availed of
  • RAKBANK personal loan allows loan consolidation for multiple ongoing loans of the borrower 
  • Instant access to loan funds in form of salary advances via digital banking 
  • Top-up for RAKBANK personal loan can be availed after completion of 1 year of the loan tenure
  • Free debit cards and chequebooks are offered to all borrowers 
  • RAKBANK allows 2 loan instalment deferments each year for this personal loan in UAE for 25,000 salary 
Click here to Apply for this Personal Loan

8. Mashreq Bank Personal Loan for Ex-pats

Mashreq Bank personal loan for ex-pats is a special loan product designed specifically for expatriates living in the emirates. The candidates only require a minimum of AED 7,500 monthly salary for this loan product which makes it quite easy for candidates with 25,000 salary to acquire these loans. Let’s take a look at its top features and interest rates. 

  • Flat Rates of Interest: From 7.70%
  • Reducing Rates of Interest: From 14%
  • Minimum Salary Required: AED 8,000

Key Features of the Loan

  • The maximum loan amount available for this personal loan for 25,000 salary is AED 3 million. Borrowers can get loan amount up to 20 times their salary. 
  • The maximum tenure available for this Mashreq loan product is 48 months. However, borrowers working at the Ministry of Defence can get up to 60 months as loan tenure. 
  • Borrowers get additional perks like a free bank account, chequebook, debit card, and credit life insurance.  
Click here to Apply for this Personal Loan

9. HSBC Personal Loan 

HSBC is yet another international bank highly trusted for its credit services and loan products. HSBC personal loan for 25,000 salary is a rather flexible product offering a host of benefits packed in a compact package. The loan amount can be used to meet any type of urgent expenses as per the borrower’s requirements. 

Let’s cover the main features of this loan. 

  • Flat Rates of Interest: NA
  • Reducing Rates of Interest: From 6.99%
  • Minimum Salary Required: AED 10,000

Key Features of the Loan

  • Available for both UAE nationals and residents older than 21 years of age earning a minimum of AED 10,000 per month 
  • The maximum loan amount available for this loan product is AED 500,000 
  • The borrower must have a salary account with HSBC and have their salary transferred
  • Borrowers can get flexible loan tenure ranging from 6 to 48 months. 
  • Credit life insurance is not mandatory to get this personal loan with 25,000 salary in UAE
Click here to Apply for this Personal Loan

10. Ajman Bank Personal Loan

Ajman bank offers a common personal loan for 25,000 salary for both UAE nationals and residents. However, it must be kept in mind that the loan particulars differ for each candidate as per their nationality. Let’s see what is offered by Ajman Bank personal loan for nationals and resident candidates in the emirates.

  • Flat Rates of Interest: From 3.30%
  • Reducing Rates of Interest: From 5.99%
  • Minimum Salary Required: AED 6.500

Key Features of the Loan

  • The maximum loan amount available for this personal loan for 25,000 salary is AED 3 million for UAE nationals and AED 1 million for UAE ex-pats 
  • The minimum salary required to get Ajman personal loan is AED 6,500 for ex-pats and AED 8,000 for UAE nationals 
  • Ajman Bank personal loan comes with a flexible loan tenure that goes up to 48 months 
  • Free bank account, debit card, and chequebooks are offered to UAE nationals who apply for the loan 

Compare and apply best personal loan

Documents Required to Get Personal Loans for AED 25,000 Salary

The following are a few basic documents required to get a personal loan for 25,000 salary in the UAE:

  • Duly filled personal loan application form 
  • Original Emirates ID along with a copy
  • Original passport and residents visa along with a copy
  • Salary certificate from the employer addressed to the bank if salary transfer is not required and the candidate does not have a salary account with the lender bank
  • Bank statements for the past 3 to 6 months
  • Trade licence of self-employed candidates
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FAQs

Is salary transfer mandatory to get personal loans for AED 25,000 salary in UAE?

No, a salary transfer is not mandatory to get personal loans in the emirates. However, the salary transfer requirements may depend on the kind of product you choose. 

What kind of interest rates can I get for my personal loan?

You can get either a flat or reducing rate of interest for your personal loan for AED 25,000 salary in the UAE. 

Which is the best bank to get a personal loan for AED 25,000 salary in UAE?

Some of the top banks offering personal loans for 25,000 salary are Citibank, Emirates NBD, First Abu Dhabi Bank, Emirates Islamic Bank, and so forth. 

Can I get a personal loan if my company is not listed in the UAE?

Yes, most banks offer personal loans for non-listed companies in the UAE with minimal to no hassle. 

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