UAB Personal Loan

Personal Loan up to 8 times your Salary

T&C Apply

  • Installment as low as AED 294/month.
  • Flexible Repayment Periods
  • No Salary Transfer Required

Get personal loan at Lowest Interest Rate

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UAB personal loans are exceptionally designed for both UAE national and expats. UAB personal loan in UAE guarantees immediate funding for those who are eligible. United Arab Bank (UAB), formed in 1975, operates out of numerous branches in the UAE and offers astute commercial banking solutions. The loan application process is quite simple and quick, which makes taking loan in the UAE an easy victory. This bank offers up to AED 2 Million loan amount on reducing interest rate starting at 5.25% with repayment periods of up to 48 months for UAE Nationals and Expats. 

UAB Personal Loan Interest Rates

The UAB personal loan interest rates are one of the lowest in the market and are charged on the reducing balance amount. Details of the UAB personal loans interest rate in UAE are as follows: 

Consider the following table for the applicable FAB personal loan interest rates for UAE nationals and for expats:

United Arab Bank Personal Loan
Category Max. Loan Amount Tenor UAB Personal Loan Interest Rate Type of Interest

UAB Personal Loan For UAE Nationals

AED 2 Million

Up to 48 months

From 5.25% per annum


UAB Personal Loan For Expats

AED 2 Million

Up to 48 months

From 5.25% per annum


 *Disclaimer: Interest Rates are subject to change at any time.

 UAB Personal Loan Features & Benefits


UAB personal loan (UAE nationals)

UAB personal loan  (For Expatriates )

Salary Transfer



Early Settlement

Yes, 1% of the settlement amount

Yes, 1% of the settlement amount




Free Credit Card



Free Personalized Cheque Book



Free Insurance



Introductory Offers



Phone Banking



 Listed below are some of the best UAB personal loan features and benefits currently offered.

 Loan Amount

The United Arab Bank personal loan is offered in two categories. Both UAE nationals and expats may apply for a UAB personal loan of up to AED 2 million. Emiratis are offered personal loans for up to 20 times their salary.


UAB personal loans offer repayment periods of up to 48 months and a revolving credit facility, which allows the loan holder to repay their outstanding loan amount in any number installments within the stipulated tenor.

Easy Apply

It is extremely easy to apply for a UAB loan via the online form. The process requires very little documentation and boasts of minimal time for approval as well.


The United Arab Bank personal loan deferment option lets customers delay payment for an installment. This can be availed for a fixed number of times every year as set by UAB.

Top-Up Loans 

A top-up United Arab Bank allows loan holders to avail of additional financial support during their running loan. Top-up loans are usually offered to customers that have met a certain number of payments for their active personal loan.

Debt Consolidation

UAB allows loan holders to accumulate all their existing loans into the UAB personal loan in UAE.  It is easier for customers to manage and repay one loan rather than juggling multiple installments every month.


Applicants that successfully apply for a UAB personal loan are rewarded with a free credit card for the first year. The UAB credit card offers an additional line of credit, which loan holders may utilize as short term capital. 

insurer your car

UAB Personal Loan Eligibility Criteria

Applicants can apply for a United Arab Bank personal loan if they fulfill following criteria: 


Applicants must have employment at an organization that is on the United Arab Bank loan list of approved companies.


The minimum salary requirement for UAB personal loan should be AED 7,500 monthly. 

Salary Transfer

A UAB personal loan can only be availed of with salary transfers. Loan holders will be provided with a UAB account, in which the employee’s monthly salary amount is transferred. Salary transfers need to be approved by the employer. 

UAB Personal Loan Document Requirements

Applicants may apply for a United Arab Bank personal loan through an online form, and with the following documents: 

  1. ID Proof - Emirates ID, Passport and UAE Residence Visa (for Expats).
  2. Bank Statement - Latest 3 months or 6 months as
  3. Salary Transfer

FAQs - UAB Personal Loan

Q.1.    Is the loan available for new UAE residents? 

Ans: UAB personal loans can be availed of by new UAE residents. UAB will require confirmation of employment from the applicant’s employer and a salary transfer certificate as well.

Q.2.    Are there any security deposits required? 

Ans: The UAB personal loan does not require any form of security deposit or collateral 

Q.3.    What type of account does the United Arab Bank personal loan offer? 

Ans: Loan holders receive a free current account with their UAB loan. Applicants will be required to transfer their salary into this account.

Q.4. Is there a restriction on the smallest United Arab Bank personal loan size?

Ans: Yes, the loans amount start from as little as AED 15,000.

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