Minimum Salary Salary Transfer Early Settlement Fees Maximum Term Flat Rate Reducing Rate
UNB - Pre-owned Car Loan UNB - Pre-owned Car Loan Minimum Salary: AED 5,000 Salary Transfer: No Early Settlement Fees: 1% Maximum Term: 0 Years Flat Rate: 3.7% Reducing Rate: 6.89%
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You’ve spent hours researching different makes and test driving models and, finally, you’ve found the vehicle that’s just right for you. Now, get ready to drive away in it, thanks to UNB’ Pre-owned Car Loan. We’ve structured this loan especially for purchasers of pre-owned cars, keeping an eye to affordability. The result? A competitively priced loan that’s tailored to your exact needs. 


  • Competitive interest rates starting from 3.70% p.a. (flat rates). Reducing rate of 6.89% p.a. 
  • High loan amounts
  • Easy processing

  • A UAE national of at least 21 years of age or under 65 years old or an expatriate of at least 21 years of age or under 60 years old
  • Earning at least AED 5,000 per month
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest flat rate on the product. This is not the APR, which is going to be calculated in this example.
Years: This is the original term or length of the product, stated in years.
Effective Monthly Payment: This is the effective monthly payment, which takes into consideration fees and other costs associated with this product. The effective monthly payment is the basis for the APR calculation.
Calculated Annual Percentage Rate (%): The Calculated Annual Percentage Rate (APR) is determined using the annual interest rate of the product plus fees and other costs. This rate may differ from bank to bank. APR is useful when comparing two or more products with different interest rates and fee structures.
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