Get Personal Loan with AED 25000 Salary in UAE (Top 10 Bank Comparison)

If your salary in UAE is 25,000 dirhams, then taking a personal loan can be a great option for you. Personal loans are very important for those who need immediate financial assistance to meet their needs. 

With this loan you can easily meet your home renovation, children’s education, marriage or any other personal expenditure. 

In this post, we will tell you how to take a personal loan against a salary of 25,000 dirhams in UAE, which banks are the best option for it, and what can be its benefits. 

We will tell you how you can get a loan up to 8 times your salary, avail EMI tenure of up to 48 months and get the loan at the lowest interest rates. 

This information will help you in choosing the right personal loan for you, so you have to read this article completely.

Personal Loan for AED 25,000 Salary in UAE

If your salary is 25,000 dirhams and you want to take a personal loan in UAE, then you will have many options, but choosing the right loan can be a bit difficult. 

The demand for personal loans is very high in UAE, hence most of the banks and financial institutions offer it to their customers. But every bank has its own different conditions and qualifications, which need to be fulfilled. 

Therefore, it is important to know which loan product best suits your needs. 

You have to see which bank has lower interest rates, what is the EMI tenure, and how convenient are the rest of the terms and conditions for you. 

When you choose the right loan, it can help you meet your essential expenses like home renovation, children’s education, or any other urgent need. 

Choosing the right loan can strengthen your financial position and help you meet your needs.

Loan Eligibility Criteria Calculator 

Top 10 Best Banks For Personal Loan in UAE with 25000 Salary

There are many great options for taking a personal loan for salary up to 25,000 dirhams in UAE. From Commercial Bank of Dubai you can get a loan up to 150,000 dirhams at an interest rate of 7.60%, while from Emirates Islamic Bank you can get a loan at an interest rate of 2.59%.

First Abu Dhabi Bank also has many plans, in which loans are available at interest rates starting from 2.82% to 8.70%. The loan amount and interest rates in these banks may vary according to your needs and eligibility. 

In the table given below, information about various banks offering personal loans in UAE is given. This includes the bank name, plan name, minimum salary requirement, interest rate, and key features of the loan.

Bank Name	Plan Name	Minimum Salary (AED)	Fixed Rate
Commercial Bank of Dubai	Quick Loan	8000	Starting from 7.60%*
Emirates Islamic Bank	Personal Finance for Expats	10000	2.85%
Emirates Islamic Bank	Personal Finance for UAE Nationals	10000	2.59%
Emirates NBD	Loans for Expatriates	5000	0
Emirates NBD	Loans for UAE Nationals	5000	0
Deem Finance	Personal Loan	5000	0
First Abu Dhabi Bank	Personal Loan for Expats	7000	2.82%
First Abu Dhabi Bank	Personal Loan for UAE Nationals	7000	4.74%
First Abu Dhabi Bank	Non-Salary Transfer Personal Loan for Expats	15000	8.70%
First Abu Dhabi Bank	Non-Salary Transfer Personal Loan for UAE Nationals	15000	5.72%
HSBC	Personal Loan	7500	NA
First Abu Dhabi Bank	New to Country/Employment Loans	7000	3.24%
Dubai Islamic Bank	Personal Loan	7000	4.90%
RAKBANK	Personal Loan	10000	2.85%
Abu Dhabi Islamic Bank	Personal Finance	8000	NA

BEST 10 Personal Loans for AED 25,000 Salary in UAE

There are many great options available to avail a personal loan for salary up to Dh25,000 in UAE. Citibank Personal Loan can be availed with 7.70% flat rate and 14% reducing rate without salary transfer, with a minimum salary requirement of AED 8,000. 

FAB’s Non-Salary Transfer Personal Loan is available with a flat rate of 8.39% and a reducing rate of 14.99% for a minimum salary of AED 15,000. 

Banks like Emirates NBD and RAKBANK also have personal loan options with low interest rates.

Detailed description of these personal loan products is given in the table below:

Loan Product	Flat Rate Starting from	Reducing Rate Starting from	Minimum Monthly Salary Required
RAKBANK Personal Loans	2.75%	4.99%	AED 5,000
Emirates NBD Personal Loan for Expats	2.77%	5.49%	AED 5,000
Emirates Islamic Personal Loan for Expats	2.89%	5.40%	AED 10,000
Ajman Bank Personal Loan	3.30%	5.99%	AED 8,000
Mashreq Bank Personal Loans for Expats	3.43%	6.49%	AED 7,000
Abu Dhabi Commercial Bank Personal Loan	3.45%	6.25%	AED 7,500
HSBC Personal Loan	NA	6.99%	AED 10,000
Citibank Personal Loan without Salary Transfer	7.70%	14%	AED 8,000
FAB Non-Salary Transfer Personal Loan for Expats	8.39%	14.99%	AED 15,000
Commercial Bank of Dubai Digi Personal Loan	NA	15.99%	AED 8,000

1. RAKBANK Personal Loan

RAKBANK Personal Loan is available to all eligible candidates with a monthly salary of AED 25,000, whether they are UAE citizens or residents. This loan can be easily availed with a minimum salary requirement of AED 5,000. The flat interest rate of this loan starts from 2.75% and the reducing interest rate starts from 4.99%. 

RAKBANK Personal Loan Benefits:

• UAE citizens and residents above 21 years of age can avail this loan.
• Loan up to 20 times the borrower’s salary can be availed.
• Through this loan, easy installments can be made by clubbing several ongoing loans together.
• The loan amount can be obtained immediately in the form of salary advance through digital banking.
• Top-up facility is available after completion of 1 year of the loan.
• Borrowers are provided with free debit cards and checkbooks.
• Under this loan, deferment of 2 installments every year is allowed.

2. Emirates NBD Personal Loan for Expats

Emirates NBD offers a popular personal loan product for expats in the UAE with a monthly salary of AED 25,000. This loan can be easily availed with flat interest rates starting from 2.77% and reducing interest rates starting from 5.49%. The minimum salary for this loan should be AED 5,000.

Benefits of Emirates NBD Personal Loan:

• Without salary transfer, the loan amount can be availed up to AED 4 million.
• A flexible repayment tenure of up to 48 months is available for this loan.
• Both flat and reducing interest rates are offered for this loan.
• Borrowers get free credit life insurance cover with the loan.
•  Under this loan, deferment of 2 installments every year is allowed.
•  Borrowers get a free Emirates NBD bank account and a free debit card.

3. Emirates Islamic Bank Personal Finance

Emirates Islamic Bank’s personal loan is highly flexible and convenient for borrowers with a salary of AED 25,000. This loan can be used for various purposes like school/college fees or emergency medical expenses. Flat interest rates start at 2.25% for UAE citizens and 2.89% for expats. The reducing interest rates start at 4.20% for UAE citizens and 5.40% for expats. The minimum salary requirement is AED 10,000.

Benefits of Emirates Islamic Bank Personal Finance:

•  UAE citizens and expats above 21 years of age can apply for this loan.
• The maximum loan amount for expats can be up to AED 2 million, while for UAE citizens the amount can be up to AED 4 million.
• A flexible repayment tenure of 48 months is available with this loan.
•  Personal loans can be used to consolidate multiple loans into a single monthly instalment.

4. Ajman Bank Personal Loan

Ajman Bank offers a typical personal loan for UAE citizens and residents with a salary of AED 25,000. The interest rates of this loan start from flat rate 3.30% and reducing rate 5.99%. The minimum salary requirement for this loan is AED 6,500.

Benefits of Ajman Bank Personal Loan:

• The maximum loan amount available is AED 3 million for UAE citizens and AED 1 million for expats.
• The minimum salary requirement for UAE citizens is AED 8,000, while for expats it is AED 6,500.
• Flexible repayment tenure of up to 48 months is available with this loan.
•  UAE citizens are provided with a free bank account, debit card and chequebook.

5. Mashreq Bank Personal Loan for Expats 

Mashreq Bank’s personal loan is specially designed for expats, and is easily accessible to borrowers with a salary of AED 25,000. The minimum salary requirement for this loan is AED 8,000. Flat interest rates start from 7.70% and reducing interest rates start from 14%.

Benefits of Mashreq Bank Personal Loan:

•  The maximum loan amount can be up to AED 3 million, and borrowers can avail a loan up to 20 times their salary.
• A flexible repayment tenure of 48 months is available with this loan, while borrowers working in the Ministry of Defense can get a tenure of up to 60 months.
• Borrowers enjoy additional benefits like free bank account, chequebook, debit card and credit life insurance.

6. ADCB Personal Loan

ADCB’s Personal Loan is a great option for individuals with a salary up to AED 25,000, offering higher loan amounts, easy documentation and quick approval. Its interest rates are competitive and the loan tenure is flexible. Flat interest rates start from 3.45% and reducing interest rates start from 6.25%, and the minimum salary requirement is AED 7,500.

ADCB Personal Loan Benefits:

•  This loan is available to UAE citizens and expats above 21 years of age who can submit the required documents.
• The maximum loan amount can be up to AED 750,000 for UAE citizens and AED 600,000 for expats.
• Loan top-up facility is available after 6 months of loan availment.
• Credit life insurance facility is also provided, although it is not mandatory and can be availed with minimal additional charges.
• Flat and reducing interest rate options are available.

7. HSBC Personal Loan

HSBC is an international bank known for its credit services and loan products. HSBC Personal Loan is flexible and beneficial for individuals with a salary of AED 25,000. This loan is suitable to meet a variety of emergency needs. The reducing interest rates for this loan start from 6.99% and the minimum salary requirement is AED 10,000.

Benefits of HSBC Personal Loan:

• This loan is available to UAE citizens and residents who are above 21 years of age and earn at least AED 10,000 per month.
• The maximum loan amount available is up to AED 500,000.
• The borrower should have a salary account with HSBC and the salary should be transferred to HSBC.
• The loan tenure is flexible between 6 to 48 months.
• Credit Life Insurance is not mandatory for this loan.

8. Citibank Personal Loan without Salary Transfer

Citibank is a trusted international bank known for its loan products and credit cards. Citibank’s personal loan, which can be availed without salary transfer, is a great option for those who want to finance personal expenses without changing their salary account. Flat interest rates on this loan start from 7.70% and reducing interest rates go up to 14%. The minimum salary requirement is AED 8,000.

Benefits of Citibank Personal Loan:

•  Available to both UAE citizens and residents.
• This loan can be applied for only after completing 3 months in the job.
• The maximum loan amount available without salary transfer is AED 175,000, while with salary transfer this amount increases to AED 500,000.
• The loan tenure is flexible between 6 to 48 months, and the borrower can choose any tenure as per his needs.
• You can also get gift vouchers with this loan, which can amount up to AED 1,000.
• Borrowers can choose between flat or reducing interest rates.

9. FAB Non-Salary Transfer Personal Loan for Ex-pats

First Abu Dhabi Bank (FAB), a relatively new but extremely popular bank in the UAE, is known for its useful personal finance options. FAB’s Non-Salary Transfer Personal Loan is exclusively available for ex-pats and can be availed without salary transfer. The flat interest rates on this loan start from 8.39% and the reducing interest rates go up to 14.99%. The minimum salary requirement is AED 15,000.

Benefits of FAB Non-Salary Transfer Personal Loan:

• UAE ex-pats who are above 21 years of age and have completed at least 18 months with the current employer can apply for this loan.
• An amount up to AED 600,000 can be availed through this loan.
• The loan tenure is flexible up to 48 months.
• No salary transfer required; Loan installments can be repaid directly from the account where the candidate is currently receiving salary.
•  This loan can be availed even if the employer is not included in FAB’s approved employer list.
• Free life insurance cover is also provided with this loan.

10. CBD Digi Personal Loan

CBD Digi Personal Loan is a completely digital loan that can be availed in 10 minutes using just your Emirates ID. This loan can be applied for through online platforms and the loan amount is released within minutes of approval. Its reducing interest rates start from 15.99% and the minimum salary requirement is AED 10,000.

Benefits of CBD Digi Personal Loan

• All UAE ex-pats who are above 21 years of age, with a valid Emirates ID and a confirmed salaried job can apply for this loan.
• A minimum service period of 6 months is required to be eligible for the loan.
• An amount up to AED 150,000 can be availed through this loan.
• This digital loan comes with a completely paperless application process, with Emirates ID being the only required document.

Personal Loan Overview for AED 25,000 Salary in UAE

There are many options available for personal loans against AED 25,000 salary in UAE, which come with different interest rates, salary transfer requirements and other terms. Check these features carefully before selecting the loan that is most suitable for you.

Bank Name	Interest Rate (Flat)	Interest Rate (Reducing)	Time Period	Processing Fees
Emirates NBD	2.77%	5.49%	Up to 48 months	1% – 3%
Emirates Islamic Bank	2.25% (UAE Citizens)	4.20% (UAE Citizens)	Up to 48 months	1% – 3%
RAK Bank	2.75%	4.99%	Up to 48 months	1% – 3%
Ajman Bank	3.30%	5.99%	Up to 48 months	1% – 3%
ADCB	3.45%	6.25%	Up to 48 months	1% – 3%
FAB	8.39%	14.99%	Up to 48 months	1% – 3%
HSBC	NA	6.99%	6 to 48 months	1% – 3%
Citibank	7.70%	14%	6 to 48 months	1% – 3%
CBD Digi	NA	15.99%	Not specified	1% – 3%

Documents Required to Get Personal Loans for AED 25,000 Salary

There are some important documents you need to provide when applying for a personal loan for salary up to AED 25,000. These include completed loan application form, original Emirates ID and its copy, original passport and resident visa along with their copies, salary certificate from the employer if salary transfer is not required and you do not have a salary account with the lender bank, previous Includes 3 to 6 months’ bank statements and a trade license if you’re self-employed.

The list of documents required for personal loan for salary of AED 25,000 is as follows:

•  Completed Personal Loan Application Form
• Original Emirates ID and a copy thereof
•  Original passport and resident visa along with their copies
•  Salary Certificate (if salary transfer is not required)
•  Bank statements of last 3 to 6 months
•  Trade License (for self-employed candidates)

Eligibility Criteria for Personal Loan for Salary above AED 25,000 in UAE

The eligibility criteria for Personal Loan for AED 25,000 Salary in UAE are as follows;

1. Age: The age of the applicant should be at least 21 years.

2. Salary: Monthly salary should be at least AED 25,000.

3. Employment Status: Applicant must be in a stable job and have regular income.

4. Residence: Applicant must be a resident of UAE.

5. Credit History: A good credit history is generally required. Some banks may have special credit score criteria.

6. Nationality: Eligibility may differ for UAE citizens and expatriates; Some banks may have different requirements.

7. Period of employment: Some banks require a minimum period of employment with the current employer, which is usually 3 to 6 months.

8. Bank Account: Some loans may require salary transfer to banks or a bank account with the lender.

Additional criteria depending on banks

Additional criteria depending on the banks are as follows: 

1. Citibank: No salary transfer required, but interest rates may be higher.
2. FAB: Minimum salary AED 15,000; No salary transfer required.
3. Airbus NBD: Salary transfer required and minimum salary AED 5,000.
4. RAKBANK: Minimum salary requirement AED 5,000; Salary transfer not necessary.
5. Emirates Islamic: Minimum salary AED 10,000; Available to citizens and expatriates.
6. Ajman Bank: Minimum salary AED 6,500 to AED 8,000 depending on nationality.
7. HSBC: Salary transfer required; Minimum salary AED 10,000.
8. Mashreq Bank: Minimum salary AED 8,000; Available to expatriates.
9. ADCB: Minimum salary AED 7,500; Flat and reducing rates available.
10. CBD: Minimum salary AED 10,000; Paperless digital application process.

How to get a loan against 25,000 AED salary

To get a loan against salary of 25,000 AED, you can avail the services of major banks in UAE, such as RAKBANK, Emirates NBD, Emirates Islamic Bank, Ajman Bank, Mashreq Bank, ADCB, HSBC, Citibank, FAB, and CBD. Loan products from these banks come with different interest rates and terms, so first you need to select the most suitable bank as per your needs and eligibility. 

The step by step process to take a loan against salary of 25,000 AED is as follows: 

• 1. Review loan options:

Compare loan products offered by RAKBANK, Emirates NBD, Emirates Islamic Bank, Ajman Bank, Mashreq Bank, ADCB, HSBC, Citibank, FAB, and CBD.

• 2. Check Eligibility Criteria:

Verify the minimum salary, documents, and other eligibility criteria of each bank.

• 3. Prepare Documents:

Prepare necessary documents such as passport, visa, salary certificate, bank statement, and business license if you are self-employed.

• 4. Fill the Loan Application:

Fill the loan application form by visiting the website or branch of the selected bank.

• 5. Submit Application:

Submit the filled application form and documents to the bank.

• 6. Contact by Bank:

The bank will check your eligibility and may ask for additional information or documents.

• 7. Loan Sanction and Disbursement:

After approval, the bank will release the loan amount and credit it to your account.

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