icn-close icn-search
  • ae UAE
Back to Loans

Special loans for UAE nationals

Personal loans for Emiratis of up to AED 5 million.

loans for uae nationals
- 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

Personal loans up to AED 5 million for UAE nationals with flexible repayment terms of up to 48 months (or up to 60 months for employees of the Ministry of Defense)

Up to 150 days grace period before the first repayment

Competitive interest rates

Hassle-free documentation

Fast & easy approvals

Comprehensive personal life insurance coverage

Eligibility - Here's how you qualify

A minimum monthly salary of AED 7,000

Employed with a governmental, semi-governmental or reputable private organisation

Applicants must be 21+ years old

Required Documents - This is what we'll need

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.

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

FAB Logo
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.

Captcha not validated
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 .



Customer Service




Ratibi Service





First Abu Dhabi Bank

First Abu Dhabi Bank P.J.S.C

GET - On the app Store