How to apply for a Personal Loan in ADCB in UAE

Personal Loan up to 8 times your Salary

Personal Loan in UAE
  • Minimum Salary 5000 AED
  • EMI Tenure up to 48 Months
  • Lowest Interest Rates

Get personal loan at Lowest Interest Rate

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

A personal loan is the best option for borrowing money when you do not want to borrow it from your relatives or friends. Banks and financial institutions offer personal loans in the UAE at a reasonable rate of interest allowing you to repair that ceiling or fund the education of your child or pay for any other hefty expense. Abu Dhabi Commercial Bank offers easy personal loan at lower interest rates to ensure that personal loan does not become a matter of concern for you.

Procedure to apply for a personal loan in ADCB

 You can choose an offline or online platform to apply for a personal loan in ADCB

Applying for Personal Loan in ADCB offline:

  • Visit the nearest ADCB branch
  • Request for Personal Loan form
  • Fill in the form
  • Submit a copy of the required documents along with the form

The bank will check and verify your documents and transfer the required loan amount within few working days

ADCB also gives you the option of comfortably applying for a Personal loan in ADCB online. To avail of this facility follow these steps:

adcb bank personal loan apply procedure

ADCB existing customers can receive personal loan approval within 10 minutes through ADCB Hayyak Mobile App

You can also apply for a Personal Loan in ADCB by calling the contact center number 600 50 2030 anytime.

ADCB also allows you to apply for a personal loan through SMS. Send ‘PIL’ from your registered mobile number to 2626

Apply for a personal loan through

Alternatively, you can also find the best personal loan offers for Abu Dhabi Commercial bank on and receive a personal loan from ADCB 

personal loan from adcb bank with policybazaar

The team of experts at will refer to your application and guide you to receive personal loan from ADCB easily.

Benefits of applying for personal loan from ADCB

  • Loan Consolidation
  • Salary draft up to 3 times (2 times for expatriates)
  • Convenient financing
  • Simple process of documentation
  • Low interest rates
  • High Salary multiples
  • Complimentary ADCB credit card
  • Earn touch points

Finance Structure


UAE Nationals


Maximum finance amount (AED)

Up to 3 times of your salary

Up to 2 times of your salary

Maximum tenure

48 months

48 months

Rate of Interest

4.25% per annum

5.25% per annum

Touch Points

Up to 300 for every AED 1000 of loan amount

Up to 300 for every AED 1000 of loan amount

You can use the personal loan calculator on ADCB personal loan webpage to calculate the amount you will require paying according to the interest rate and tenure. All you need to do is:

  • Specify the amount you need to borrow
  • Select the tenure

Documents required

  • Valid Passport
  • EIDA Card Copy
  • Salary certificate addressed to ADCB, not older than 30 days from the date of loan application
  • Duly filled application form
  • Bank statement copy of last 3 months
  • Details of existing loans and liabilities

The aforementioned list is not complete or absolute. The bank may require other or more documents to sanction your loan.

Am I eligible to receive a personal loan from ADCB?

If you are a UAE National or resident aged 21 or above, you are eligible to receive a personal loan from ADCB

Points to remember:

  • The amount of maximum personal loan that will be sanctioned to you will be determined by your monthly salary
  • The bank will charge an additional one-time fee for life insurance cover

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