• Profit rates starting from 3.33% p.a.
• High finance amount of up to AED 1.25 million for expatriates, and AED 2 million for UAE nationals
• Finance tenure up to 4 years
• Takaful coverage (including optional family and job loss cover)
• First year free credit card
• Simple documentation and quick approvals

• UAE Nationals:
  • 2.49%* (equivalent to a reducing rate of 5.74%*) per year- With Multi Product Package (with a salary transfer to a FAB Islamic savings account and Islamic credit card)
  • 3.29%* (equivalent to a reducing rate of 6.2%*) per year - With a salary transfer to a FAB Islamic savings account without an Islamic credit card
  • Loan amount upto AED 5 Million
  • 210 days grace period
• Expats:
  • 2.82%* (equivalent to a reducing rate of 5.34%*) per year- With Multi Product Package (with a salary transfer to a FAB Islamic savings account and Islamic credit card)
  • 3.85%* (equivalent to a reducing rate of 7.2%*) per year - With a salary transfer to a FAB Islamic savings account without an Islamic credit card
  • Loan amount upto AED 2 Million
  • 120 days grace period
  • Comprehensive personal life Takaful coverage
  • Flexible repayment terms of up to 48 months to repay through your FAB account

• Fast & easy approvals
• High finance amounts
• Flexible payment periods
• Up to three months grace period on first installment
• Convenient monthly installments
• Competitive rates

• Profit rates starting from 3.33% p.a.
• High finance amount of up to AED 1.25 million for expatriates, and AED 2 million for UAE nationals
• Finance tenure up to 4 years
• Takaful coverage (including optional family and job loss cover)
• First year free credit card
• Simple documentation and quick approvals

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

• High loan amounts of up to 20 salary multiples
• Max AED 3 million
• Competitive rates of interest Top-up facility available for existing loan customers
• Islamic finance option is available

• Loan Amounts of up to AED 150,000
• Competitive rates of interest
• Comfortable repayment loan tenure of up to 48 months
• No Salary Transfer or collateral required
• Simple documentation and quick processing
• Islamic finance option is available

• Loan amounts of up to AED 150,000
• Competitive rate of interest
• Islamic finance option is available

• Adjustable loan amounts to match your needs
• Option to pay in manageable monthly instalments
• Comfortable repayment periods
• Competitive interest rates
• Simple documentation and quick processing
• No guarantors required for application
• Top-up facility is available
• Access to credit card & revolving overdraft
• Free cheque book and debit card

• Lower monthly payments
• Increased disposable income
• Reduced interest payments over lifecycle
• Higher Loan amount:
  – AED 1 Million for Expats and AED 3 Million for UAE Nationals

• High finance amount of up to 4 million for UAE Nationals and 2 million for Expats
• UAE Nationals starting profit rate of 2.59% flat p.a approximately equivalent to 5.11% reducing p.a
• Expat starting profit rate of 2.85% flat p.a  approximately equivalent to 5.22% reducing p.a
• Financing available to salaried 
• Financing up to 4 million for UAE Nationals 
• Approvals in 24 hours
• Pre approved credit card and 100% discount on first year's annual fees
• Flexible, extended repayment periods of up to 4 years with low profit rate.

Profit rates starting from 3.33% p.a. High finance amount of up to AED 1.25 million for expatriates, and AED 2 million for UAE nationals Finance tenure up to 4 years Takaful coverage (including optional family and job loss cover) First year free credit card Simple documentation and quick approvals

• Minimum salary requirement of AED 5,000 only
• Maximum tenure of 48 months
• High finance approvals for your personal finance needs
• Maximum finance set at AED 4 million for UAE Nationals and AED 2 million for Expatriates

• 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.

• 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

• A wide range of Shariah compliant products
• Fast and simple approval process
• Competitive Profit Rates
• High Finance Amount and Flexible Tenures
• Low minimum salary requirement

• Free pre-approved ADIB VISA Cashback Card for the first year
• First installment payment grace period up to 90 days
• Two free installments postponements every year
• Takaful cover protection with competitive rates

• Financing of up to AED 250,000
• Finance installments up to 48 months
• Free postponement option
• Free ADIB VISA Cashback Card for the first year

• A special profit rate starting from 6.5% p.a.
• First installment payment grace period up to 90 days
• 100% processing fee waiver

A wide range of shariah compliant products
Fast and simple approval process
Competitive Profit Rates
High Finance Amount
Flexible Tenures
Low minimum salary requirement

• Access up to AED 500,000 at an attractive profit rate
• Profit rates as low as 7.55% p.a. (reducing)
• Take Over Facility 
• Top Up Loan
• Instalement Deferment Option
• No minimum balance required on the operating account for the tenure of the loan
• 24X7 Banking