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PERSONAL LOANS FOR UAE NATIONALS
Personal Loans for UAE Nationals — Up to AED 5M, 48-Month Tenure
Exclusive personal loans for Emiratis with higher limits and longer terms — borrow up to AED 5 million over up to 48 months, with Shariah-compliant options and preferential pricing from 3.25%.
- Up to AED 5M with flexible EMIs
- Tenures up to 48 months
- Shariah-compliant options available
- Preferential rates from 3.25% reducing
PERSONAL LOAN CALCULATOR
Estimate your monthly instalment
MONTHLY INSTALMENT
2,247
Amount
75,000
Interest
5,909
Total
80,909
Loans for UAE Nationals
UAE nationals enjoy the most generous personal-loan terms in the market: banks lend Emiratis up to AED 5 million — well above the AED 500,000 expat ceiling — over tenures up to 48 months, reflecting the stability of government and semi-government employment. Many products are Shariah-compliant, structured as a Murabaha or salary-backed facility, and pricing is preferential, often from 3.25% reducing.
DOCUMENTS REQUIRED
Documents Required to Apply for a Personal Loan in Dubai, the UAE
Pick your profile below — the checklist differs by applicant type.
AIdentification
- Passport copy
- Emirates ID copy
- Khulasat Al Qaid (family book)
BIncome
- Salary certificate / employment letter addressed to the bank
- Latest pay slip
- Bank statements for the last 3–6 months
- AECB credit report
PERSONAL LOAN CALCULATOR
Estimate your monthly instalment
PERSONAL LOAN CALCULATOR
Estimate your monthly instalment
MONTHLY INSTALMENT
2,247
Amount
75,000
Interest
5,909
Total
80,909
FAQ
Frequently Asked Questions
Answers to the most common questions about business finance in the UAE.