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
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.
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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
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Frequently Asked Questions
Answers to the most common questions about business finance in the UAE.
All your UAE financial choices on one powerful platform.
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