Emirates NBD Personal Loan Without Salary Transfer

  • Minimum Salary AED 15,000
  • Flat Rate
  • Reducing Rate 14.99%
  • Max. Term 4 Years
  • Salary Transfer No
  • Islamic Finance No


Emirates NBD give everyone the opportunity and financial assistance needed to achieve their goals. So even if you do not have a Salary Transfer Account with ENBD, you may still apply and enjoy a Personal Loan with Emirates NBD.

Major Advantage: Salary transfer not required

Points to Consider: High rate of interest


Major Feature:

  • 7 Days loan return option
  • Double insurance coverage
  • Mode of repayment is through Direct Debit System (DDS)


Minimum Salary Requirement: AED 15,000

Reducing Rate (as advertised): Starting from 14.99% pa

Flat Rate: 8.40% pa

Processing Fees: 1% of the finance amount (Min AED 500; Max AED 2,500)

Maximum Finance Amount: AED 200,000 for UAE Nationals & Expatriates

Islamic Finance: No

Maximum Term: 48 Months

Salary Transfer: Not required

Early Settlement Fees: 1%

Insurance: 1.24% (It comes with double credit life coverage)

Holiday Period: Yes, Deferment option available, you can skip two non-consecutive installments per year

Salaried/Self Employed: For salaried only

Documents Required

  • Valid Passport Copy with valid Resident Visa page
  • UAE Nationals: Idbara page of UAE Nationals
  • Original Emirates ID and Emirates ID copy
  • Proof of Residency or Utility Bill
  • Undated Security Cheque
  • Credit Card Statements (Where applicable)
  • Latest 3 Months Bank statement
  • Latest Salary Certificate / Salary Transfer Letter 

Additional Info

  • All info mentioned can change at any point of time as per the discretion of the bank. The Bank will determine eligibility. All info above is subject to change.
  • Terms and conditions apply.  

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Jessica Anderson, Finance Specialist is ready to help you!