Salary Transfer Personal Loans in UAE — Best Rates from 2.89%
Move your salary to the lending bank and unlock the lowest personal-loan rates in the UAE — from 2.89% reducing, with amounts up to 20× your salary and tenures up to 4 years.
- Best rates — from 2.89% reducing p.a.
- Borrow up to 20× your monthly salary
- Tenures up to 48 months
- One soft profile — no AECB hard inquiries upfront
A salary transfer personal loan is the cheapest way to borrow in the UAE: in exchange for routing your monthly salary to the lending bank, you get the lowest rates (from 2.89% reducing), the highest multiples (up to 20× salary), and the longest tenures. Most banks need an Emirates ID, a valid residence visa, and a salary certificate confirming your employer is on their approved list, with a minimum salary that typically starts around AED 5,000.
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.