Personal Loans for Expats in Dubai & UAE — Rates from 3.25%
Living in the UAE on an employment or investor visa? Borrow with just your Emirates ID, visa and salary slip — loans for expats from 3.25% reducing, with amounts up to AED 500,000.
- Loan amounts up to AED 500,000
- Rates from 3.25% reducing p.a.
- Emirates ID, passport, visa & salary slip
- Salary transfer & non-transfer options
Expat residents make up the majority of UAE personal-loan borrowers, and banks have well-defined products for them: with a valid residence visa, Emirates ID, passport and a salary slip, you can borrow up to AED 500,000 from rates of 3.25% reducing. Most lenders require you to have completed your probation period (3–6 months in the job) and to earn a minimum salary that typically starts around AED 5,000. Loan tenure is generally aligned to your visa validity.
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.