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First Abu Dhabi Bank
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Personal Loans
- Get a personal loan at 3.49% per year (variable rate) and 3.99% (fixed rate)1
- Up to three months before your first repayment
- Loan amount 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 |
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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
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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
Does FAB offer flexible monthly repayment options for loans?
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.
What are the requirements for a personal loan?
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
Will I get flexible interest rates with FAB loans?
Yes, FAB offers flexible and competitive interest rates starting as low as 3.99% per year.
What kind of car loans are available?
There are three types of car loans you can choose from:
Do I need to be a salary transfer customer to receive a personal loan?
No, FAB offers a non-salary transfer personal loan for UAE nationals.
We are currently experiencing higher call volumes than usual. We encourage you to use the FAB Mobile app and check our FAQs page.