United Arab Bank Personal Loan for Expats

  • Minimum Salary AED 7,500
  • Flat Rate
  • Reducing Rate 5.25%
  • Max. Term 4 Years
  • Salary Transfer Yes
  • Islamic Finance Yes


Personal Loans from UAB are tailored exclusively with the objective of helping expatriates borrow wisely. Customized to meet the needs of individual customers, our focus is on making the repayment process as simple as possible.

Major Advantage: Higher finance amount, Low salary requirement

Points to Consider: Rate can vary according to the salary


Minimum Salary Requirement: AED 7,500

Reducing Rate: Starting from 5.25%

Flat Rate: 2.87% p.a. (as per 4 years calculation)

Processing Fees: 1% (Min. AED 500, Max AED 2,500)

Maximum Finance Amount: AED 2,000,000

Islamic Finance: Yes and Conventional also available

Maximum Term: 4 Years

Salary Transfer: Compulsory

Early Settlement Fees: 1% of outstanding amount

Insurance:  Starts from 0.99%

Holiday Period:  Yes you can postpone two installment payments, in a 12-month period.

Salaried/Self Employed:  Only Salaried can apply

Other Features: 

  • Free credit card for the first year
  • Revolving overdraft facility
  • Top up facility

Documents Required

  • Salary transfer certificate.
  • Last 3 months bank statements for expatriates.
  • Valid Passport & Visa Copy.
  • Emirates ID Copy. 

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.
  • Reducing rate is converted into Flat rate as per 4 years calculation.
  • Terms and conditions apply.

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Jessica Anderson, Finance Specialist is ready to help you!