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Non-Salary Transfer Personal Loan for UAE Nationals

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

Non-Salary Transfer Personal Loan
- 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 - Enjoy great rates & flexibility

High personal loan amounts of up to AED one million for UAE Nationals with flexible payment terms of up to 48 months (or up to 60 months for Ministry of Defence employees)

Lowest-in-class rates starting from 8.99%* 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

Comprehensive life insurance coverage

Eligibility - Here's how you qualify

A minimum monthly income of AED 15,000

Acceptable Credit Bureau Score

A minimum of 18 months service with your current employer

Applicants must be 21+ years old

Required Documents - This is what we'll need

Copy of a valid passport/Emirates ID (originals must also be presented)

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

Salary certificate addressed to FAB

Signed and completed application

*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.

I am a UAE National
I am an employee of Ministry of Defense
My monthly salary is
I need to borrow
And pay it back over
Annual interest rate

Representative example

Monthly repayment

Total repayable

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Loan Amount :
Annual Interest Rate :
Number of Payments (Months) :

Apply Now

Enter your details and we will call you back within
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.

We are currently experiencing higher call volumes than usual. We encourage you to use the FAB Mobile app and check our .



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