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The Etihad Guest Personal Loan

Apply for an Etihad Guest Personal Loan and earn miles with this winning partnership.


  • 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

A minimum monthly salary of AED 7,000

Maximum loan tenor is 48 months and 60 months (for Armed Forces)

Interest rates starting from 7.95%* per year (Variable Rate)

Etihad Guest Miles can be earned on fresh loans, buyout, top-up or additional personal loans

Minimum loan amount to earn Etihad Guest Miles is AED 100,000

Max Etihad Guest Miles that can be earned on a single loan disbursal is 10,000

Earn 500 Etihad Guest Miles for every AED 20,000 loaned

High loan amounts available with low interest rates

Etihad account to which salary is transferred and an Etihad Debit Card

*Disclaimer: This is a Variable Rate Loan. Click here for the current variable rates

Criteria to be met for 7.95% variable rate:

Working in a company approved by FAB with their salary transferred to a FAB bank account

This is a Variable Interest Rate Loan

This is the minimum applicable rate based on a minimum salary of AED 50,000 per month. The applicable rate may vary based on other factors including income, credit bureau score and approval criteria

All interest rates quoted are effective rates on the outstanding loan balance


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

Terms and conditions apply.

*All interest rates quoted are effective rates on loan outstanding balance

Indicative Loan Calculator

Just enter your monthly income and expenses for each category and the calculator will do the rest.


Representative example

Monthly repayment

Total repayable

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Number of Payments (Months) :

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Additional one-time upfront processing fee of 1.05% will apply on the loan amount (minimum AED 525 and maximum AED 2,625). A life insurance fee may apply. For further information on fees and charges, please refer to the service and price guide.

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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.



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