Debt Consolidation Loan in UAE — One Lower Payment from 4.99%
Roll your credit cards and multiple loans into a single personal loan from 4.99% reducing — one predictable instalment, often far below what your cards charge, with tenures up to 48 months.
- One instalment instead of many
- Rates from 4.99% reducing p.a.
- Cut high credit-card interest (30%+ APR)
- Tenures up to 48 months
A debt consolidation loan replaces several expensive debts — credit-card balances, store cards and small loans — with one personal loan at a much lower rate, from 4.99% reducing. Instead of juggling multiple due dates and paying 30%+ APR on cards, you make a single fixed monthly payment over a set tenure of up to 48 months. In the UAE this is usually arranged as a buyout (balance transfer): the new bank settles your existing balances directly, often requiring liability letters from your current lenders, and you repay only the consolidated loan.
Documents Required to Apply for a Personal Loan in Dubai, the UAE
Pick your profile below — the checklist differs by applicant type.
- Passport copy
- Emirates ID copy
- Khulasat Al Qaid (family book)
- Salary certificate / employment letter addressed to the bank
- Latest pay slip
- Bank statements for the last 3–6 months
- AECB credit report
Estimate your monthly instalment
Frequently Asked Questions
Answers to the most common questions about business finance in the UAE.