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Non-Salary Transfer Personal Loan for UAE Nationals

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 Arab Emirates Dirhams (AED) 1 million , Flexible payment terms No salary transfer required

UAE nationals can avail the below features when opting for FAB non-salary transfer loan:

  • High loan amounts of up to AED 1.2 million
  • Market leading interest rates starting from 10.49% fixed per year
  • Flexible payment terms of up to 48 months (or up to 60 months for Ministry of Defence employees)
  • Comprehensive life insurance coverage

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

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.


Representative example

Monthly repayment

Total repayable

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Loan Amount :
Annual Interest Rate :
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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