UAE 
First Abu Dhabi Bank
First Abu Dhabi Bank P.J.S.CGET - On the app Store
Personal Loans
- Get a personal loan at 3.79% per year for UAE Nationals and 3.99% per year for Expatriates1
- Up to 150 days grace period for UAE nationals and 90 days for expats before the first repayment
- Loan amounts up to AED 5 million2 for UAE nationals and up to AED 2 million2 for Expats
WARNING
- You may have to pay penalties if you pay off a loan/financing early
- If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future
- Refinancing your loans/financing may take longer to pay off than your previous loan/financing and may result in paying more In interest/profit
Are you
Are you
Use our Lifestyle Calculator to help plan your finances
Just enter your monthly income and expenses for each category and the calculator will do the rest.
Income
AED
AED
Make your money grow!
Click here to learn more about our saving account products with competitive interest rates and attractive benefits for our customers
Make your money grow!
Click here to learn more about our saving account products with competitive interest rates and attractive benefits for our customers
Your current expenses are very close to your income.
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Your expensed exceed your monthly income.
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Debt Burden Ratio calculator
Our DBR Calculator is designed to help you calculate your DBR and avoid getting into a spiral of debt.
We recommend you calculate you DBR, as the ratio can directly impact your ability to receive a loan or mortgage. Just enter your monthly income and expenses for the appropriate category and the calculator will do the rest.
What is DBR?
We recommend you calculate you DBR, as the ratio can directly impact your ability to receive a loan or mortgage. Just enter your monthly income and expenses for the appropriate category and the calculator will do the rest.
*Terms and Conditions Apply
Calculate Your Debt Burden Ratio
AED
Your Current Loans & Credit Cards
FAB current variable rates %:
All interest rates quoted are effective rates on loan outstanding balance.
- This is a Variable Interest Rate Loan and subject to an introductory discount over the variable rate, which is only applicable for the first nine months
- Loan amount will be based on individual customer eligibility
Click here for FAB Current Variable Rates
Click here for FAB Personal Loan Buyers Guide
Click here for FAB Personal Loans Summary of Credit Life Insurance Benefits
Frequently Asked Questions
Yes, FAB offers a range of loans such as personal loans, car loans, expat loans, landlord loans, secured loans and buyout loans with flexible payment options as well as up to three months before your first repayment.
FAB offers personal loans for UAE nationals and personal loans for expats. The requirements for a personal loan are:
- Employed with a governmental, semi-governmental or legitimate private organisation
- Applicants must be 21+ years old
- A minimum monthly salary of AED 7,000
- Copy of a valid passport/resident visa/Emirates ID (Originals must also be presented)
- Bank statements for the last three months showing salary credits (if salary is not credited to a FAB account)
- Salary transfer letter/salary certificate addressed to FAB
- Liability letter or a clearance letter (in case of buyout loans)
- Signed and completed application
Yes, FAB offers flexible and competitive interest rates starting as low as 3.99% per year.
There are three types of car loans you can choose from:
No, FAB offers a non-salary transfer personal loan for UAE nationals.
If you apply for a loan on our website, you will receive a call back within 24 hours. The entire loan approval process takes approximately 24 hours to complete.
This amount varies depending on the loan. UAE nationals can receive loans of up to AED 5 million and expats can receive loans for up to AED 2 million.
Can't find what you are looking for?
We are currently experiencing higher call volumes than usual. We encourage you to use the FAB Mobile application and check our Frequently Asked Questions (FAQs) page.