What you need to know about this loan:
- Loan Amounts Offered: AED 5,000 to AED 1,000,000
- Loan Terms (monthly): 6 to 48 months
- Payment Methods: Direct salary transfer, mobile banking, online payments
- Interest Rate: From 6.49% to 13.49% annually (reducing balance)
Pros
- Competitive Interest Rates: Starts as low as 6.49% per annum
- Quick Digital Process: Apply via app, no paperwork, no waiting
- Free Credit Card: Comes bundled at no extra cost
- Salary Overdraft: Up to 2x your salary for extra liquidity
- TouchPoints Rewards: Earn up to 150 points per AED 1,000 loaned
Cons
- Processing Fee: 1.05% upfront charge on the loan amount
- Salary Transfer Required: Mandatory to have your salary routed to ADCB
Why Choose ADCB Personal Loan for Your Loan?
While Emirates NBD offers a similar expat loan, ADCB’s lower entry rate of 6.49% and instant app-based approval make it more accessible.
Compared to Mashreq Bank, which often takes 5–7 days for approval, ADCB guarantees a decision within 3 working days with fewer documents.
RAKBANK charges higher upfront fees (up to 2%), while ADCB keeps it lean at just 1.05%, saving you money right away.
Compared to HSBC UAE’s 8.49% starting rate, ADCB’s 6.49% is significantly more competitive for high-value loans.
Standard Chartered has stricter eligibility rules; ADCB’s flexible salary criteria and broad approval scope give it an edge for newer expatriates.
How to Apply for Your ADCB Personal Loan
Ready to apply? Just open the Hayyak App or log in to ADCB Mobile Banking, fill in your details, and upload your documents. In minutes, you’re one step closer to your goals. No paperwork. No delays. Just results.