UAE 
First Abu Dhabi Bank
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Non-Salary Transfer Personal Loan for UAE Nationals
Get the personal loan you need without having to transfer your salary.
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
High personal loan amounts of up to Arab Emirate Dirhams (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 10.49%* 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
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
*All interest rates quoted are effective rates on the loan’s outstanding balance.
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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