Salary Transfer Loans for Emiratis

Personal Loans for UAE Nationals starting at low interest rates on salary transfer

Our easy loans application process, higher loan amounts, discount on fees, competitive interest rates and instant pre-qualification help you plan your finances

Attractive interest rates starting from 2.55% per annum flat
Loan amounts up to AED 4 Million
Free insurance & processing fee
Apply now
Terms and conditions apply.
*Equivalent to 4.79% p.a. reducing
*Rates and benefits will be applicable based on the customers segment, their eligibility and borrowing capacity as per the banks credit policy and central bank regulation.
Salary Transfer Loans for Emiratis
At a glance
Benefits
Eligibility & documents
Key facts statement
Support
Get your loan

Let us help you with your loan

A personal banking loan to suit your needs

Key features and benefits

  • Loan amount up to AED 4 Million
  • First payment deferment up to 90 days
  • 7 days return option
  • Free Zero balance account
  • First Year Free Credit Card with Eligible Miles / Points
  • Free First year Setup fee on Overdraft (OD)
  • Avail up to 2 non-consecutive deferments in a loan cycle
  • Loan tenure up to 48 months (60 months. for Ministry of Defense employees)
  • Increase your loan eligibility with additional source of income
Apply for a loan now

I want to borrow

AED 25,000 AED 4,000,000
12 months 48 months

You can borrow AED {0} Personal Loan

with monthly payments as low as

AED  

Tentative rate: 5.99% reducing p.a.

Rates and benefits will be applicable based on the customers segment, eligibility and borrowing capacity as per the banks credit policy and central bank regulation.

Transfer your personal loan from another bank to Emirates NBD

Key features and benefits

Reduce your installments, take advantage of better interest rates and consolidate multiple debts into one easy monthly payment

  • Competitive interest rates
  • Consolidate multiple debts into one easy monthly payment
  • First payment deferment up to 90 days
  • Free Zero balance account
  • First Year Free Credit Card with Eligible Miles / Points
  • Free First year Setup fee on Overdraft (OD)
  • Avail up to 2 non-consecutive deferments in a loan cycle
  • Loan tenure up to 48 months (60 months. for Ministry of Defense employees)
  • Increase your loan eligibility with additional source of income
Move your loan now

I want to borrow

AED 25,000 AED 4,000,000
12 months 48 months

You can borrow AED {0} Personal Loan

with monthly payments as low as

AED  

Tentative rate: 5.99% reducing p.a.

Rates and benefits will be applicable based on the customers segment, eligibility and borrowing capacity as per the banks credit policy and central bank regulation. .

Top-up your existing loan with us for extra cash

Key features and benefits

  • No minimum EMI payment on your existing loan is required to apply for a top-up
  • Zero early settlement fee on top ups
  • Loan amount up to AED 4 Million
  • First payment deferment up to 90 days
  • First Year Free Credit Card with Eligible Miles / Points
  • Free First year Setup fee on Overdraft (OD)
  • Avail up to 2 non-consecutive deferments in a loan cycle
  • Loan tenure up to 48 months (60 months. for Ministry of Defense employees)
  • Increase your loan eligibility with additional source of income
Top up your loan

I want to borrow

AED 25,000 AED 4,000,000
12 months 48 months

You can borrow AED {0} Personal Loan

with monthly payments as low as

AED  

Tentative rate: 5.99% reducing p.a.

Rates and benefits will be applicable based on the customers segment, eligibility and borrowing capacity as per the banks credit policy and central bank regulation. .

Benefits of getting a loan with Emirates NBD

Credit Life Insurance

An insurance for your outstanding loan to protect you in case of an eventuality

7 day loan return

Return your personal loan to the bank even after it's credited to your account

Debt consolidation

Lighten your financial payments with our One Pay facility

AECB score

Process your application faster with a good AECB score

Co-applicant program

Increase your eligibility by applying with a salaried spouse or a family members

Easy loan applications

Getting a loan with us is the smart thing to do

Eligibility

Minimum salary: AED 5,000

No minimum length of service

Salary should be transferred to Emirates NBD

Applicable for Listed & Non-Listed Companies

Documents required to apply

  • Valid passport copy with Idbara page
  • Emirates ID
  • Latest salary certificate or salary transfer letter
  • Undated security cheque
  • Last 3-months bank statement
  • Valid passport copy with Idbara page
  • Emirates ID
  • Latest salary certificate or salary transfer letter
  • Undated security cheque
  • Last 3 to 6-month bank statement
  • Liability letter from the bank of the existing loan
  • Valid passport copy with Idbara page
  • Emirates ID
  • Latest salary certificate or salary transfer letter
  • Undated security cheque
  • Please ensure you have all the documents required are valid and provided to process your application faster
  • We may require additional documents, if needed, based on the bank’s discretion
  • Valid passport copy with Idbara page
  • Emirates ID
  • Latest salary certificate or salary transfer letter
  • Undated security cheque
  • Last 3-months bank statement
  • Valid passport copy with Idbara page
  • Emirates ID
  • Latest salary certificate or salary transfer letter
  • Undated security cheque
  • Last 3 to 6-month bank statement
  • Liability letter from the bank of the existing loan
  • Valid passport copy with Idbara page
  • Emirates ID
  • Latest salary certificate or salary transfer letter
  • Undated security cheque
  • Please ensure you have all the documents required are valid and provided to process your application faster
  • We may require additional documents, if needed, based on the bank’s discretion

Apply for an Emirates NBD loan and be part of the most innovative bank in the region


What our customers are saying:

"The loan approval time was very good. They have approved the loan within 2 or 3 days."

Apply now
Support

How can we help?

Applying for a personal loan
Applying for a personal loan top-up

Early loan settlement
Partial loan settlement

Direct debit for loans
Restructure your loan

Are you struggling financially?
Defer your loan payments

Our accessible and inclusive banking services
Have a question? Visit our Help & Support section for answers to your queries.

Things you need to know

Borrow wisely and ensure you go through the list of documents for all the fees and charges you'll incur and the terms and conditions involved when you get a loan from us. 

  • If you do not meet the monthly repayments on your loan, your account will go into arrears and incur late payment fee.
  • When you miss repayments, this could affect your credit score and limit your ability to access loan/financing in the future.
  • When you refinance your loan or avail installment deferments, it may take longer to pay off than your previous loan. It may also result in paying more interest.

Important links and documents

Key Facts Statement - Fixed interest rate

Personal Loans fees & charges

Personal Loan T&Cs

Key Facts Statement - Variable interest rate

General fees & charges

General T&Cs

Borrow Wisely

Do you know the difference between a flat rate and a reducing rate? Get tips from experts on managing your finances responsibly.
Be empowered

Refer and get rewarded

Refer your friend or family to apply for a loan with Emirates NBD and both of you can get an AED 500 voucher each*.

Enter your details first, share the link with the person you want to refer and ask them to fill in their details.

*Terms & conditions apply
Get started here

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Credit Life Insurance

Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.

*Subject to terms of the policy. Other terms & conditions apply.

7 day loan return

  • Notify the bank or your loan agent  Incase of loan cancellation within 7 days
  • The loan amount should not be withdrawn from your account
  • Valid only for new loans without liability settlements. Not for topped-up loans or loans transferred from other banks
  • Please note that you have to return the loan amount in full. This option is not applicable for partial returns

Debt consolidation

Now, make all your loan and credit card payments through one simple, yet effective solution. It's time to eliminate all your hassles as you cut down on your monthly payments.

  • Enjoy preferential interest rates
  • One manageable payment plan for all your existing debts
  • One single monthly payment for your convenience

Learn more about how debt consolidation works

Apply now

Co-applicant program

  • The main applicant should be employed by a company that is listed with us. The co-applicant can be your parent, spouse, son or daughter, but not sibling
  • Only one co-applicant allowed
  • Minimum monthly salary of the primary applicant should be at least AED 5,000
  • No company listing or salary transfer is required for the co-applicant

AECB score

Having a higher AECB score gives you more benefits

  • No salary transfer requirement
  • It's not mandatory for your company to be listed with us
  • No need to submit bank statements
  • Minimum length of service is not required

Easy loan applications

  • Easy processing and simple documentation
  • Minimum requirements needed to avail a loan
  • Higher AECB score - faster processing and better rates
  • Minimal documentation needed to top up your existing loan

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Emirates NBD Bank (P.J.S.C.) is licensed by the Central Bank of the UAE, Baniyas Road, Deira, P.O. Box: 777, Dubai, UAE

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