Top 10 Best Banks For Personal Loan in UAE with 9000 Salary

Personal Loan in UAE

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Personal loans are among the most accessible forms of loans to provide assistance in case of any personal or urgent requirements. With a personal loan in UAE, one can easily get the requisite funds for any personal need, be it a marriage, child’s education, business investment, overseas trip, and so forth. 

While applying for a personal loan is fairly easy considering the sheer number of providers in the UAE, different banks have different set eligibility criteria. One such parameter exists in the form of minimum income requirement, which is among the most important parameters as it helps lenders gauge whether the borrower would be able to pay the monthly instalments on time. 

As mentioned earlier, numerous options exist for personal loans in UAE. Consequently, one can easily find personal loans for most salary ranges.  The same applies to residents having a monthly salary of AED 9,000 or less. Let’s have a look at the key details of personal loans for AED 9000 salary below.

Top Banks That Offer Personal Loans in UAE 9000 Salary

Let’s first have a look at the top banks and financial institutions offering personal loans in the UAE to individuals with a salary of around AED 9,000 per month. 

Provider

Flat Interest/Profit Rate

Reducing Interest/Profit Rate

Minimum Monthly Salary Required

Salary Transfer

Citibank 

3.80% - 4.90%

6.99% - 8.99%

AED 8,000

Mandatory

First Abu Dhabi Bank

3.57%

6.70%

(3.99% also available if qualifying the specific criteria)

AED 7,000

Mandatory

Deem Finance

NA

15.99% 

AED 5,000

Optional

RAKBANK

2.75%

4.99%

AED 5,000

Mandatory

Dubai First

14.33%

25.99%

AED 8,000

Mandatory

Samba

4.83%

9%

AED 5,000

Mandatory

United Arab Bank

2.89%

5.25%

AED 7,500

Mandatory

Ajman Bank

3.30%

5.99%

AED 6,500

Optional

Mashreq Bank

3.43%

5.99%

AED 7,000

Mandatory

Emirates NBD

2.90%

5.49%

AED 5,000

Optional

Note: Interest rates are subject to change at any time as per the discretion of the respective bank/financial institution.

Let’s now discuss the key features of each personal loan option mentioned above – 

1. Citibank Personal Loan

Citibank is a leading global bank, serving millions of customers around the world and having business in more than 150 countries. Citibank is an excellent choice as a personal loan provider in the UAE as it offers several loan products to both UAE nationals and ex-pats. One such product in its array personal loan salary of AED 9000. 

Here are the main features and benefits of Citibank personal loan for AED 9000 with salary transfer –

Minimum Monthly Salary Required: AED 8,000

Citibank Personal Loan – Features and Benefits

  • The fixed interest rate, calculated on a reducing basis, varies between 6.99% and 8.99% depending on the customer profile
  • The loan can be repaid in a tenure of at least 6 months and a maximum of 48 months
  • High loan amount of up to AED 500,000 or up to 20 times your salary
  • Arrangement fee of 1% of the total loan amount (capped between AED 500 and AED 2,500)
  • Both UAE nationals and residents are eligible to apply for the loan

Why Choose Citibank Personal Loan?

You can opt for Citibank personal loan for AED 9,000 salary to take advantage of the following benefits:

  • Zero processing fees
  • In-principle approval in 10 minutes
  • Competitive interest rates
  • Easy application process that can be completed from the comfort of your home online
  • Option to top up the loan whenever required
insurer your car

2. First Abu Dhabi Bank Personal Loan

First Abu Dhabi Bank offers attractive numerous loan options to UAE residents. For individuals wanting to avail of a FAB personal loan for AED 9000 salary, First Abu Dhabi Bank makes for a good choice due to its impeccable customer service and the extended repayment period. 

Discussed below are the salient features and benefits of First Abu Dhabi Bank's personal loan 9000 salary.

Minimum Monthly Salary Required: AED 7,000

Primary Features and Benefits of First Abu Dhabi Bank Personal Loan

  • Financing available for expatriates
  • Easy loan repayment with a tenure of up to 48 months
  • Interest rates as low as 3.99% per year (you need to qualify the eligibility criteria for a 3.99% interest rate)
  • You should be working in a company approved by the FAB and opt for salary transfer (to a FAB bank account)

Why Choose First Abu Dhabi Bank Personal Loan?

  • Financing up to AED 2 million
  • Swift and hassle-free approvals
  • Seamless documentation process
  • Grace period of 90 days offered for the first repayment of a personal loan
  • Free comprehensive life insurance coverage
  • Zero processing fees

3. Deem Finance Personal Loan

Deem Finance is one of the most distinguished banks in UAE that offers personal loans to individuals with a salary of AED 9,000. With Deem Finance personal loans, you can easily secure funds for expanding business, debt consolidation, children's education, and so on. 

The following are the key features of Deem Finance personal loan for salary of AED 9000:

Minimum Monthly Salary Required: AED 5,000

Main Features and Benefits of Deem Finance Personal Loan

  • Minimal paperwork and documentation
  • No salary transfer required
  • Flexible repayment with a loan tenure of up to 48 months
  • Reducing rates starting from 15.99%

Why Choose Deem Finance Personal Loan?

Deem Finance personal loan for AED 9000 salary is a prominent choice among UAE residents due to the following reasons –

  • Quick application approval within 48 hours
  • Provision to choose the payment date based on when you receive your salary
  • Access to Deem credit life for borrowers - Deem credit life plus provides compensation and benefits in case of the death or permanent total disability of the borrower. Moreover, with Deem credit life plus, each query is addressed on priority and the user is provided access to 24-hour assistance and complimentary account statements.
  • Affordable monthly instalments so that customers can repay the loan conveniently

4. RAKBANK Personal Loan

RAKBANK personal loans are popular in the UAE as they offer high loan amounts and provide numerous value-adding benefits. Moreover, applying for a RAKBANK personal loan for salary of AED 9000 is fairly straightforward owing to its easily navigable online platform. 

Minimum Monthly Salary Required: AED 5,000

RAKBANK Personal Loan –Salient Features and Benefits

  • Loan amount of up to 20 times the salary of the borrower
  • Flexible repayment terms of up to 48 months
  • Competitive interest rates
  • Salary transfer is mandatory
  • Round-the-clock banking facility

Why Choose RAKBANK Personal Loan?

  • Minimal documentation
  • Free RAKBANK debit card and personalised chequebook
  • Free RAKBANK credit card
  • Insurance included in the plan
insurer your car

5. Dubai First Personal Loan

If you wish to get a personal loan with salary of AED 9000, Dubai First personal loan can prove to be a perfect fit for the same. High loan amounts, flexible repayment period, and manageable interest rates are just some of the beneficial features of this personal loan in UAE.

Minimum Monthly Salary Required: AED 8,000

Features and Benefits of Dubai First Personal Loan

  • No salary transfer required
  • Available to both UAE nationals and expatriates
  • Maximum loan repayment tenure of up to 3 years
  • Accessible to individuals working in a government or private organization (recognised by the bank) 

Why Choose Dubai First Personal Loan?

Dubai First personal loans are one of the most prominent choices of borrowers in the UAE for personal Finance due to the following reasons:

  • Credit card that is entirely free for life
  • Simple and hassle-free documentation
  • Free bank account provided to the borrower
  • Free Dubai First chequebook and debit card
  • Insurance is included

6. Samba Personal Loan

Samba Salary transfer personal loan is another excellent choice for a personal loan in UAE if you are earning AED 9,000 or less per month. The bank offers a high loan amount and has a hassle-free documentation process to help users access the funds for their needs without a long wait. 

Minimum Monthly Salary Required: AED 5,000

Samba Personal Loan – Salient Features and Benefits

  • High loan amount of up to AED 125,000
  • Loan repayment tenure of up to 48 months
  • No collateral or guarantor required
  • Salary transfer required
  • Flat rates 4.83% onwards and reducing rates starting at 9%

Why Choose Samba Personal Loan?

Samba personal loan has world-class financial products as well as customer service that make it a great choice regarding personal loans in the UAE. Other than that, it offers you a wealth of financial benefits like the following –  

  • Free Samba chequebook and bank account
  • Free Samba debit card
  • Insurance is included
  • Round-the-clock customer support available
  • No requirement for a guarantor or collateral 

7. United Arab Bank Personal Loan

United Arab Bank (UAB) is one of the leading banks in the UAE for its diverse range of products that can be availed of at excellent rates. The UAB offers a variety of loan options to users and is one of the top choices if you wish to avail of a personal loan for AED 9000 salary. Other than that, you can enjoy multiple benefits with a United Arab bank personal loan as discussed in the following section.

Minimum Monthly Salary Required: AED 7,500

United Arab Bank Personal Loan – Features and Benefits 

  • Attractive interest rates starting at 2.89% (flat rate) and 5.25% (variable interest rate)
  • Ease of repayment with the maximum loan tenure being 48 months
  • Transferring salary to a United Arab bank account mandatory
  • Option to request bank representatives’ assistance at your home if you are stuck somewhere in the application process 

Why Choose United Arab Bank Personal Loan?

  • Quick approvals and minimal documentation
  • Convenient monthly instalments
  • Loan amount of up to AED 300,000
  • Free bank account and debit card
  • Insurance is included
  • Credit card (free for one year)

8. Ajman Bank Personal Loan

Ajman Bank personal loans for individuals with a monthly salary of AED 9,000 or less have all the benefits – ranging from competitive profit rates to exciting perks and rewards. Whether you are planning for home renovation, a dream trip, business expansion, or more, Ajman Bank personal loan can be a perfect fit for the same. 

Minimum Monthly Salary Required: AED 6,500 (for expatriates) and AED 8,000 (for nationals)

Key Features and Benefits of Ajman Bank Personal Loan

  • Loan offered to both UAE nationals and expatriates
  • High loan amounts of up to AED 3,000,000 (AED 3 million) for UAE nationals and AED 1,000,000 (AED 1 million) for expatriates
  • Flexible loan repayment tenure that can go up to 4 years
  • No salary transfer required 

Why Choose Ajman Bank Personal Loan?

  • Round-the-clock customer service
  • Simple documentation
  • Quick processing
  • Pre-approved credit card with attractive lifestyle benefits

9. Mashreq Bank Personal Loan

Mashreq Bank is one of the eminent names in the UAE banking sector. This reflects in Mashreq personal loans, which are characterized by high loan amounts, easy approvals, flexible repayment periods, and more. Here are some of its key features –

Minimum Monthly Salary Required: AED 7,000

Mashreq Bank Personal Loan – Features and Benefits

  • High loan amount of up to 20 times the salary (maximum amount of AED 3 million)
  • Salary transfer mandatory
  • Top-up facility available on personal loan
  • Islamic finance option available
  • Loan repayment tenure of up to 48 months (except for the Ministry of Defence personnel, who can repay the loan in up to 60 months)
  • Competitive rates of interest starting from 3.43% (flat rate) and 6.49% (reducing rate)
  • The employer of the borrower must be present on the Mashreq Bank’s approved list of companies

Why Choose Mashreq Bank Personal Loan?

Mashreq Bank personal loan for salary of AED 9000 is an excellent choice if you want to opt for Islamic Finance in the UAE. Apart from that, here are the other reasons you can go for Mashreq personal loan in UAE – 

  • Free Mashreq bank account and chequebook
  • Free Mashreq credit and debit card
  • Insurance for the borrower included
  • Competitive rates of interest
  • Swift approval, minimal paperwork, and quick processing

10. Emirates NBD Personal Loan

Emirates NBD, as a renowned name in the UAE banking sector, is another top bank to consider for its personal loans for AED 9000 salary. Emirates NBD personal loans are perfect if you are looking for a high loan amount to meet your financial needs. 

Minimum Monthly Salary Required: AED 5,000

Features and Benefits of Emirates NBD Personal Loan

  • Up to AED 800,000 loan amount
  • Loan repayment tenure of up to 4 years
  • Both UAE nationals and ex-pats can apply for the Emirates NBD personal loan salary of AED 9000.
  • Facility for early settlement of the loan (a fee of 1% of the loan amount would apply)
  • Arrangement fee of 1% of the loan amount
  • No salary transfer 
  • Flat interest rates starting at 2.90% and reducing rates starting at 5.49%

Why Choose Emirates NBD Personal Loan?

Emirates NBD personal loan offers a host of benefits like – 

  • Easy documentation
  • High finance amount
  • Free Emirates NBD bank account
  • Free debit card
  • Insurance is included
  • Phone banking available 24x7

11. National Bank of Fujairah Personal Loan

With over 30 years of experience, the National Bank of Fujairah is one of the best banks in UAE to fulfil your financial requirements. Personal loans from the National Bank of Fujairah offer several benefits to customers, with the salient ones provided with its personal loan for AED 9000 salary discussed below –

Minimum Monthly Salary Required: AED 5,000

National Bank of Fujairah Personal Loan – Key Features and Benefits

  • High loan amounts
  • Flexible repayment options
  • Grace period of up to three months for the first instalment
  • Competitive interest rates starting from 2.75% (flat-rate)
  • Salary transfer required
  • Phone banking available 24x7

Why Choose the National Bank of Fujairah Personal Loan?

  • Free bank account and chequebook available for borrowers
  • Competitive profit rates with convenient monthly instalments
  • Fast and easy approvals
  • Hassle-free documentation work

Eligibility Criteria for Personal Loan in UAE 9000 Salary

Personal loan eligibility in the UAE varies from one lending institution to the other. Each bank has different eligibility criteria based on its policies and conditions. Nevertheless, some common requirements are applicable for the plans related to best personal loan in AED 9000 salary in UAE.

Discussed below are the key eligibility requirements for personal loans for 9000 salary – 

  • Age criteria – Most banks and loan providers require the applicant to be at least 21 years at the time of application. On the other side, the upper age limit is of 60 to 65 years for personal loans in UAE.
  • Minimum salary/income criteria – Applicants must meet the specific minimum income requirement and salary for a personal loan as per their nationality as well as the selected plan.
  • Salary transfer – UAE banks offer personal loans without and with salary transfers. Some banks even allow applicants to transfer funds to a bank of their choice. As an applicant, you should be aware of the requirement of salary transfer before applying.
  • Nationality – While some banks offer personal loans only to UAE nationals, others provide loans to both nationals and expatriates. Thus, if you are seeking the best personal loan with AED 9000 salary, it is advisable to check out the UAE residency criteria and pick one that suits you. 
  • Employment history – Several banks in the UAE require the applicants to have a particular length of service in order to consider them eligible for obtaining a personal loan in UAE. Moreover, some banks only offer personal loans to individuals employed in government institutions or private organisations recognised by the bank. 

Documents Required for a Personal Loan in UAE 9000 Salary

Applicants must keep the following documents available to avail of a personal loan on 9000 salary in UAE:

  • Filled out loan application form
  • Emirates ID and a valid passport 
  • Valid UAE visa (for expatriates) to prove UAE residency
  • Bank statements for the past three to six months (banks usually request salary information from your bank once you provide your IBAN at the time of application)
  • Salary transfer letter (if opting for a salary transfer loan) 
  • Trade licence for self-employed individuals

Key Takeaways 

Personal loans are easy to obtain and can be utilised for a variety of purposes (marriage, education, travel, and more). With banks and loan providers being in abundance in the UAE, individuals with a salary of AED 9,000 can easily find personal loans. However, it must be kept in mind that you would still be required to meet the other eligibility criteria to procure the loan without any hassle. 

You can visit the ‘Personal Loans in UAE’ page on policybazaar.ae to find the best personal loan plans matching your financial requirements at the most affordable rates.

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