Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Citi - Personal Loan Without Salary Transfer Citi - Personal Loan Without Salary Transfer Minimum Salary: AED 10,000 Salary Transfer: No Islamic Finance: No Maximum Term: 4 Years Flat Rate: 7.8% Reducing Rate: 14.0%
Apply Online Now
Fill in your details below and a product advisor will call you back with more details.
Some required information is not valid

Plan it your way

Apply for a Citi Personal Loan without salary transfer and get up to AED 1250 in noon vouchers

Simple and hassle-free
  • Apply online with your ID only from the comfort of your own home
Cash on your terms

  • Flexible repayment periods between 6 to 48 month
Dream big

  • High Loan Amounts up to AED 175000
Need more? Get more

  • Top up your loan after 9 months

New customers enjoy up to AED 1,250 Noon e-vouchers.


Enjoy a complimentary noon voucher worth up to AED 1,250 when you apply for a Citi Personal Loan with no salary transfer required

Approved Loan amountReward
<=750000% Processing Fees
> AED 75,000 & <= AED 125,0000% Processing Fees + Noon e-voucher worth AED 250
> AED 125,000 & <= AED 160,0000% Processing Fees + Noon e-voucher worth AED 500
> 160,0000% Processing Fees + Noon e-voucher worth AED 1,250

Offer Terms and Conditions apply 

Loan Eligibility

    • Age: At least 21 years old
    • Citizenship: UAE Nationals and Residents only
    • Minimum salary: AED 10,000 monthly
    • Employment: Minimum 3 months of confirmed salaried employment
  • Required Documents
    • Last three months bank statements (with salary transfer)
    • Passport copy / Emirates ID Copy


** 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.
Representative Example Calculator
Emirates Islamic - Personal Finance for Expatriates
Minimum Salary
AED 15000
Flat Rate
3.99%
CBD Absher Personal Finance
Minimum Salary
AED 8000
Flat Rate
2.45%