Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
ADCB - Personal Loan for Expatriates ADCB - Personal Loan for Expatriates Minimum Salary: AED 5,000 Salary Transfer: Yes Islamic Finance: No Maximum Term: 0 Years Flat Rate: 3.45% Reducing Rate: 6.21%
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Delivering on our promise to develop products and services that cater to all sections of the community, we have designed flexible, low-cost loan packages for expatriates residing in the UAE. 
  • Highest salary multiples *
  • Longest repayment periods
  • Low interest rates
  • Consolidation of loans available
  • Simple documentation
  • Credit Life Insurance
  • Free ADCB Credit Card
Additional Information
Plus up to 2 times salary overdraft *   TouchPoints Awarded on Loan Amount (AED 50,000 and above):
  • 200 TouchPoints will be earned for every AED 1,000 of loan amount, when net loan amount is AED 150,000 or less
  • 300 TouchPoints will be earned for every AED 1,000 of loan amount, when net loan is above AED 150,000
*ADCB Loans will be made available at the sole discretion of ADCB, subject to ADCB's terms and conditions and upon submission of documentation acceptable to ADCB
** 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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