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Non-Salary Transfer Personal Loan for Expatriates

Get the personal loan you need without having to transfer your salary.


  • 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
 FEATURES - High loan amounts of up to AED 600,000, Minimum monthly income of AED 15,000, No salary transfer required

Get high loan amounts of up to Arab Emirate Dirhams (AED) 600,000 with flexible payment terms of up to 48 months

Enjoy best-in-class rates starting from 15.49%* fixed per year

A salary transfer to a FAB account is not required, and you can pay your instalments from the bank account into which you receive your salary each month

A personal loan is available even if your employer is not on FAB’s Approved List of Employers

Benefit from comprehensive life insurance coverage

You have a minimum monthly income of AED 15,000

You have completed a minimum of 18 months service with your current employer

You have an acceptable Credit Bureau Score

You are 21 years of age or older

A copy of a valid passport, visa and Emirates ID, and you must also present the originals

Present bank statements for the last six months showing salary credits (if your salary is not credited to a FAB account)

Prepare a salary certificate addressed to First Abu Dhabi Bank

Complete the application form

Terms and conditions apply.

*All interest rates quoted are effective rates on the loan’s 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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Loan Amount :
Annual Interest Rate :
Number of Payments (Months) :

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24 hours to proceed with your application.

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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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