ADCB Personal Loan for Expats

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Intro offer
Apply for a loan interest rate based on your salary: The rate for salary from AED5000 to AED7999 is 11.99%; the rate for salary from AED8000 to AED11999 is 9.99%; the rate for salary from AED12000 to AED14999 is 7.99%; the rate for salary of AED15000 to AED19999 is 6.99% and above AED20000 is 6.25%. For Privilege customers the rate is 5.99% and for Excellency customers the rate is 5.49%. All Rates are calculated on reducing balance
  • Overall
  • Service
  • Products
  • Islamic
This is great for
  • Earning Touch Points on loan amount
  • Low salary requirement to apply for this loan
  • High loan amounts with low interest rates when salary is transferred
Be Aware
  • The rate applicable will depend on your salary
  • There is an early settlement and arrangement fee

The Basics
  • 5,000

    Min Salary (AED)
    You require a minimum salary of AED 5,000 per month to be eligible
  • from 5.49%

    Profit Rate
    Loan repayment period is up to 48 months; The rate for salary from AED5000 to AED7999 is 11.99%; the rate for salary from AED8000 to AED11999 is 9.99%; the rate for salary from AED12000 to AED14999 is 7.99%; the rate for salary of AED15000 to AED19999 is 6.99% and above AED20000 is 6.25%. For Privilege customers the rate is 5.99% and for Excellency customers the rate is 5.49%. All Rates are calculated on reducing balance.
  • 0.01%

    Upfront Fee
    1% of loan amount [Min AED500; Max AED2500]
  • Reducing

    Reducing/Flat
    This rate is calculated on a reducing balance
  • 1,500,000

    Max finance Amount (AED)
    Loan repayment period is up to 48 months
  • 0.01%

    Early Settlement Fee
    1% [own sources]; 1% [through ADCB Loan]; 1% [paid by other banks]
  • Yes

    Salary Transfer
    It is a requirement to transfer your salary to apply

Main Benefit
Loan repayment up to 48 months; salary transfer loan high loan amounts low rate of interests

Recent Reviews


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Posted by joby on 09 Jun 2014

Nice...

Posted by n srinu on 09 Jun 2014

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Latest Reviews for Personal Loan for Expats


The process is so draging that you will only get your money once your immideate need is over.

Posted by Ummar on
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Posted by joby on
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Nice

Posted by n srinu on
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Posted by احمد عيسى محمد زعرور on
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Posted by qaisarghaffar on
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Posted by farid on
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This loan process requires minimum a month to get money in account. very poor service but the best rate of interest for the normal earning employee.

Posted by suresh on
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Posted by muhammed usman on
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Posted by محمد يحيي عبدالقادر منصور on
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Posted by fared hassan on
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Good reference for fast search, but sometimes you discover a lot of differences when you contact banks.

Posted by Hamed Al Ashhab on
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service of loan department very poor as well as customer service agent. my complain for personal loan until now not been resolved.

Posted by eden on
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very slow process of loan approval. it takes atleast 45 days. you will get the loan once your urgent need is finished.

Posted by khudadad khan on
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I have good experience with ADCB I have my account with ADCB and personal loan with ADCB

Posted by Amal Antony on
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I had my salary transfer account with another bank. So I had to open my account with ADCB which took about 2-3 days. Getting a salary transfer letter from my employer took another couple of days. Then loan application to approval to disbursement happened within 3-4 working days. Very good service, and competitive interest rates.

Posted by Rather Not Say on
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This is the worst service in the UAE. Loans are controlled by the bank CATS department who are only telesales reps. They lie to you and make promises they cannot keep. they then tell you it will be processed in 5-10 days, however they are not authorised to approve high loans. Then they ask you if you company is listed, if you have less than 25 people forget it, this is a marketing ploy to get more customers from your company only. I have been with the bank 5 years and will now change as they have zero PR when it comes to customers

Posted by John Annoymouss on
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