• Avail a high personal loan amount upto AED 500,000 (or upto 20 multiples of your salary)
• Loan amounts of up to 20 times of your salary
• Topup your loan whenever you want
• Get an in-principle decision in 10 minutes

For the long awaited dreams or unexpected expenses, make it happen with Citi Personal Loan. With competetive rates, high loan amounts and flexible repayment periods between 6 to 48 months.

Citi Personal Loan does not requrie any assets to be pledged as a collateral and are processed with minimum documentation.

Personal Loans in UAE are offered to customers for a variety of reasons including education, travel, medical and many more.  There are two types of personal loans, one which requires a salary transfer and one which doesn’t.

Loans are offered for a minimum period of 6 to a maximum of 48 months expats and 60 months for UAE Nationals.

Most of the banks assign Loan APR (Annual Percentage Rate) based on the profile of the customer and his/her employer. A few banks use bureau score to assign interest rates.  

Citi Personal loan Annual Percenage Rate range between from 6.99% - 8.99%.

Illustration: 

If a customer borrows a loan of AED 20,000 and earns an income of AED 10,000. With a repayment period of 48 months, the equal monthly installments would be AED 479 at an effective interest rate of 6.99% per annum.           

Total repayment that would have been paid at the completion of the loan would be AED22,987. The borrower would be paying AED 2,987 as interest.  

Please use Soulwallet’s Loans equal monthly installment calculator for further simulations.

Arrangement Fee: 1% of Loan amount with min. AED 500 and up to a max. of AED 2,500

• Avail a high personal loan amount upto AED 175,000 or upto 8x Salary (No Salary transfer to Citi is required)
• Get an in-principle approval in 10 minutes 

Whether you are taking baby steps into parenthood, renovating a home, planning a family reunion or a wedding, whatever the needs, make it happen with a Citi Personal Loan without the hassels of transferring your salary to Citi. 

Unlike most other loans, personal loans are easier t avail, as they require minimum documentation. They are processed quickly  and are usually disbursed within a week. A convenient and flexible repayment period of 6 to 48 months for a personal loans without a salary transfer.

• Expats starting fixed profit rate of 2.95% and reducing rate of 5.39%
• Free takaful coverage
• Holiday period for Expats is up to 90 days
• Profit rates vary depending on salary
• High finance amount of up to 2 million for Expats 
• Flexible, extended repayment periods of up to 4 years
• Simple, quick approval process
• Can be used to consolidate all debts into an easy payment plan involving the same instalment every month
• External credit cards can be paid off for a lower monthly payment
• No over limit fees or additional charges with a lower profit rate
• Nominal processing fees
• Murabaha structure followed
• Shari'a based product
• Exclusive policy terms on buyout finances
• Easy Documentation
• Free Takaful Coverage
  
  *Personal Finance flat rate, approximately equivalent to 5.39% reducing rate per annum.|

• Loan amounts up to 90% of End-of-Service Benefit amount
• Attractive reducing interest rates
• Fast processing of loan application
• 7-day Loan Return Option
• Double Insurance Coverage

• Rates starting 5.24% or 2.63% flat
• No minimum length of service required
• High loan amounts up to AED 400,000
• Option of current or savings account with no minimum balance requirement
• Free International ATM/Debit Card

• Loan amount up to 90% of Fixed Deposit amount in AED and up to 80% for INR Fixed Deposit
• Loan in AED against INR Fixed Deposit Personal Loans rate starting at 3.99%
• Maximum tenor up to 48 months
• Salaried and Self-Employed customers can avail this facility
• 7-day Loan Return Option Double Insurance Coverage

• Maximum loan amount up to AED 500,000.
• Available even for customers whose employer is not on Emirates NBD's Approved List
• 7-day Loan Return Option
• Double Insurance Coverage

• High loan amount up to AED 300,000
• Easy repayment options
• No collateral or guarantor required
• 100% cash without end use declaration
• 7-day Loan Return Option
• Double Insurance Coverage

Competitive interest rates starting from 18.99% reducing
Repayment period of up to 48 months
Minimum 1 year length of business
Loan amount up to AED 300,000
7-day Loan Return Option
Double Insurance Coverage

Attractive reducing interest rates starting from 5.99% reducing or 2.63% flat p.a.
Loan amounts up to AED 1,000,000
Free Bank Account with no minimum balance required
7-day Loan Return Option
Double Insurance Coverage

• Attractive reducing interest rates starting from 5.99% reducing or 2.63% flat p.a.
• Loan amounts up to AED 3,000,000
• No collateral or guarantor required
• Free Bank Account with no minimum balance requirement
• Easy process and simple documentation
• 7-day Loan Return Option

Apply for a FAB Personal Loan, top up your existing loan, or move your loan to FAB for a chance to win the powerful and aerodynamic Rabdan One, the first UAE-made electric vehicle. Plus, you could be one of the 51 customers to win prizes worth a grand total of AED 150,000 in FAB Rewards.  

• Loans up to AED 1,200,000
• Lowest-in-class rates starting from 10.49% flat rate per year
• A salary transfer to a FAB account is not required
• Pay your instalments from the bank account into which you receive your salary each month
• A personal loan is available even if your employer is not on FAB’s Approved List of Employers
• Comprehensive life insurance coverage

• Get high loan amounts of up to AED 5,000,000 with flexible payment terms of up to 48 months
• A salary transfer to a FAB account is required
• Benefit from comprehensive life insurance coverage
• Enjoy best-in-class rates starting from
  • 4.74% Fixed rate per year- With multi product package (with a salary transfer to your FAB account and holding a credit card from FAB
  • 5.95% Variable rate per year - With a salary transfer to your FAB account without holding a FAB credit card

Other great benefits included with the Multi Product Package:
Up to AED 7,500 in FAB Rewards when you transfer your salary to your FAB account with holding a credit card from FAB

Other great benefits included with the Multi Product Package:

• Up to AED 7,500 in FAB Rewards when you transfer your salary to your FAB account with holding a credit card from FAB
• Get high loan amounts of up to AED 2,000,000 with flexible payment terms of up to 48 months
• Enjoy best-in-class rates starting from
  • 5.34% Fixed per year -With multi product package (with a salary transfer to your fab account and holding a credit card from fab)
  • 6.95% Variable per year - With a salary transfer to your fab account without holding a credit card from fab
• A salary transfer to a FAB account is required
• Benefit from comprehensive life insurance coverage

Apply for FAB Islamic Personal Finance, top up your existing finance, or move your finance to FAB Islamic for a chance to win the powerful and aerodynamic Rabdan One, the first UAE-made electric vehicle. Plus, you could be one of the 51 customers to win prizes worth a grand total of AED 150,000 in FAB Islamic Rewards.

• For UAE Nationals:
  • High finance amounts of up to AED 1.2 million with flexible payment terms of up to 48 months (or up to 60 months for Ministry of Defence employees)
  • Best-in-class profit rates starting from 5.72% per year (equivalent to a reducing balance rate of 10.49%* per year)
• For Expats
  • High finance amounts of up to AED 800,000 with flexible payment terms of up to 48 months
  • Best-in-class profit rates starting from 8.70% per year (equivalent to a reducing balance rate of 15.49%* per year)
• A salary transfer to a FAB account is not required, and you can pay your instalments from the bank account into which you receive your salary each month
• Personal finance is available even if your employer is not on FAB Islamic’s Approved List of Employers
• Comprehensive life Takaful coverage

One-time upfront processing fee of 1.05% will apply on the finance amount (minimum AED 525 and maximum AED 2,625). A life Takaful contribution may apply. For further information on fees and charges