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%
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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


Additional Information

*A. I hereby acknowledge and agree to allow Citibank to share my details with any UAE credit bureau and make enquiries about me with any UAE credit bureau at its sole and absolute discretion. I agree to the Terms and Conditions listed below. Citibank Terms and Conditions apply, are subject to change without prior notice and are available upon request. For the current Terms and Conditions, please visit our website www.citibank.ae. All offers are made available on a best-effort basis and at the sole discretion of Citibank, N.A. Citibank, N.A. makes no warranties and assumes no liability or responsibility with respect to the products and services provided by partners/other entities. By inquiring about our services, offers or products, you will be authorizing our representatives to approach you on your contact details including your telephone/mobile number for any product or service offered by Citibank. The applicant agrees to be bound by Citibank’s General Terms and Conditions available on the website www.citibank.ae. The applicant hereby represents and warrants that the information provided herein is true, accurate, and complete and that he/she agrees to remain responsible for and to indemnify Citibank, N.A. from and against any losses, claims and/or liabilities incurred by Citibank NA as a result of having relied on such information. Citibank, N.A. is not required to verify the information provided by the applicant and neither is the bank obliged to provide the applicant with any loans or credit facilities based on the provided information. The information provided on this website does not constitute the marketing of any products or services to individuals resident in the European Union, European Economic Area, Switzerland, Guernsey, Jersey, Marino, San Marino, Vatican and Isle of man. The content on this website is not, and should not be construed as, an offer, invitation or solicitation to buy or sell any of the products and services mentioned herein to such individuals. Find your nearest Citi branch: www.findmyciti.com/ae/. Call us at: +971 4 311 4000. 

Address: Citibank UAE, P.O. Box 749, Dubai, United Arab Emirates. 

** 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
CBD Absher Personal Finance
Minimum Salary
AED 8000
Flat Rate
2.45%