Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
ADCB - Smart Loan ADCB - Smart Loan Minimum Salary: AED 8,000 Salary Transfer: No Islamic Finance: No Maximum Term: 4 Years Flat Rate: 8.89% Reducing Rate: 16.0%
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The ADCB loan offers a convenient and more flexible way to afford the things you want
  • No salary transfer requirements
  • Loan amount up to AED 200,000
  • Flexible repayment tenures up to 48 months
  • Quick approvals
  • Simple documentation
  • A free ADCB Credit Card
  • TouchPoints rewards which can be redeemed for shopping and airline tickets
Documents Required
  • Proof of salary income- Latest salary certificate or carbonized pay slip
  • Valid passport and visa page
  • Bank Statements (Latest 3 months)
  • One undated security cheque (only for Expatriate customers)
  • UAE DDA (Direct Debit Authority) Form duly signed
  • Emirates ID card copy
** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest rate on the product which is equivalent to 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.
Representative Example Calculator
CBD Absher Personal Finance
Minimum Salary
AED 8000
Flat Rate