FlexiLoan

The loan that moves with the market

Unlike standard loans, the Emirates NBD FlexiLoan allows you to benefit from any changes to the UAE’s EIBOR, either monthly or semi-annually. This makes the cost of your loan more transparent and helps you take advantage of changing interest rates* in planning your finances.

*Starting from 4.77%

Scholar Plus Education Loan

Introducing Scholar Plus Education Loan

Every child has a dream, and you would love to make it come true. Shape your child's future with Scholar Plus education loan that makes it more convenient to pay for their further education.

One Pay

Reduce your monthly payments with one simple solution

If you had the opportunity to combine all your payments for loans and credit cards into one easy solution, why wouldn’t you take it? Eliminate all the hassles of paying multiple and cut down on your monthly payments. Our One Pay package includes:

  • Preferential interest rates
  • Credit life Insurance (CLI)
  • One manageable payment plan for all your existing debts
  • One monthly payment for your convenience
Salary Transfer Loans

Turning your dreams into reality

Whether you want to renovate your home or send your children to a better school, we have the right loan package to help you achieve your goals. These loans include:

  • Attractive reducing interest rates starting from 2.90%*
  • Loans up to AED 1,000,000
  • Free bank account with no minimum balance required

*Flat rate, equivalent to 5.49% reducing.

Member Get Member

Rewards for introducing a friend to Emirates NBD

Short Term Cash Loans

If quarterly, half-yearly or annual rent cheques put a strain on your finances, an Emirates NBD Short Term Cash Loan is your answer. Other cash shortfalls like medical or school fees, unexpected travel or credit card debt may also stretch your finances.
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Salary Transfer Loans for UAE Nationals

We want to encourage the entrepreneurial spirit of UAE Nationals and our loan packages can help harness your new start up or another ambition.
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Personal Cash Loans

Emirates NBD strives to provide finance for everybody who needs it. You can secure a Personal Cash Loan of up to AED 500,000 even if your employer is not on our Approved List.
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UAE National Personal Loan with Additional Income

With an Emirates NBD Personal Loan with Additional Income, UAE Nationals can use extra rental income or an earned sponsorship fee for a loan opportunity to receive additional financing for unexpected expenses.
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Automatic Top Up Programme

We have created the Automated Top Up Programme because we know your financial needs are changing all the time. Even if you already have a Personal Loan with Emirates NBD, for regular-paying customers we can provide additional finance when you need it.
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Loan for New to Country/New to Employment

As we all know, moving job or country is both exciting and challenging. Having your finances organized is one less headache. This loan makes your financial transition that much easier.
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End-of-Service Benefit Backed Personal Loans

With your End-of-Service Benefit assigned to Emirates NBD by your employer you can get a loan package that meets your financial needs. This is a particularly good option when you have regular outgoings but want to protect your benefits.
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Co-applicant programme

When you need a loan that is above your own limit, you can increase your eligibility by applying with a salaried spouse or relative with our Co-Applicant Programme. You can use all or part of the second income.
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Without End-of-Service Benefit Assignment

Even if your employer is unable to provide End-of-Service benefits or to assign them to Emirates NBD, we still have ways for you to be eligible to get a loan. For a minimum salary of AED 10,000 we can find a solution for you.
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Loan for NRIs – Loan against / for NRE Fixed Deposits

If you are a Non-Resident Indian and you have a Fixed Deposit with us or our Indian partner bank, we can tailor a loan specially for you without affecting your deposit. This comes with attractive interest rates on your reducing balance through the loan period.
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Loan without Salary Transfer

We aim to give everyone the opportunity to achieve their goals. Even if you do not have an account with us to which your salary is transferred, you can still apply for a personal loan with Emirates NBD.
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Personal Loans for Self-Employed Professionals

If you are a qualified doctor, engineer, architect or accountant, or in fact anyone with a professional qualification we have a loan especially tailored for you. We recognize your value to society and have thus made getting a loan from Emirates NBD easier for you
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Personal Loans for Self Employed Individuals

If you are self-employed and need a little bit of financial help to tide you over, an Emirates NBD Priority Banking loan specifically for you is the answer. You don’t need to provide details of what the funds are for, and we do not seek collateral or a guarantor.
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AECB Credit Score

The importance of a good credit score

The Al Etihad Credit Bureau creates credit scores for both individuals and businesses. These are three-digit numbers based on your financial history which help banks and other lenders assess the likelihood of you paying loan or credit card instalments on time. The score ranges from 300 to 900. Emirates NBD is proud to have been among the first banks to use Credit Scores for processing new product applications. The higher the score you have the more benefits you can enjoy, such as faster processing of your application, less paperwork, enhanced eligibility, lower interest rates and higher loan amounts and credit limits.

Before meeting your Relationship Manager

In the first meeting your RM will try and understand you as an individual to better appreciate your attributes and aspirations. To suggest an appropriate banking solution to you, your RM may enquire about your hobbies, interests, investment risk profile, financial goals and timelines to achieve these objectives in future.
The list of documents would vary depending on the nature of the product or service you wish to avail. A valid passport copy and Visa (for expatriates) would be required in general.
Click Here to Book Appointment
In the first meeting your RM will try and understand you as an individual to better appreciate your attributes and aspirations. To suggest an appropriate banking solution to you, your RM may enquire about your hobbies, interests, investment risk profile, financial goals and timelines to achieve these objectives in future.
The list of documents would vary depending on the nature of the product or service you wish to avail. A valid passport copy and Visa (for expatriates) would be required in general.
Click Here to Book Appointment

Talk to us

To apply for an Emirates NBD personal loan today, simply call 800-100, request a call back or apply directly through online banking, or at any Emirates NBD branch.