Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Citibank - Personal Instalment Loan Citibank - Personal Instalment Loan Minimum Salary: AED 8,000 Salary Transfer: No Islamic Finance: No Maximum Term: 4 Years Flat Rate: 9.0% Reducing Rate: 13.99%
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
Some things in life require a great deal of patience. Thankfully, getting a Personal Loan from Citi isn't one of them. It's easy and hassle-free, so you can avail funds for your plans or any emergencies without delay.

An affordable way to protect your family.
  • Credit Insurance will repay the outstanding loan balance in case of the borrower's death and permanent total disability.
  • This product features pre-approval and guaranteed insurance coverage provided by MetLife ALICO.
  • There are no medical examinations required.
  • A maximum premium of 2.01% on the loan amount will be added to the loan amount
  • Loans of up to AED 175,000 (No salary transfer to Citibank required)
  • Loan amounts of up to 8 times of your salary
  • Competitive interest rates (reducing rate starting from 13.99%)
  • The flat rate equivalent based on the longest tenor is 9% and the longest tenor is 48 months.
  • Monthly installments starting from as low as AED 220
  • Approvals in 1 day
  • Loan funding in 1 day
  • Tenors from 6 months up to 48 months
  • Optional credit life insurance
Documents Required
  • Available for existing Citibank customers only
  • Current dated Salary Certificate (3 months on current job)
  • Last three months bank statements (with salary transfer)
  • Minimum (fixed) monthly salary of only AED 8,000
  • Passport copy / Emirates ID Copy
  • Direct Debit Form
  • The rate is calculated on a reducing basis and varies between 15.99% and 22.99% depending on customer income and loan amount
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 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 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: Call us at: +971 4 311 4000. 

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

*B. By providing your IBAN number, you consent (give permission) to Citibank to request for your statement of account through the Central Bank of the United Arab Emirates, from your bank (as can be identified by the account number IBAN) and also for your bank to provide this information through the Central Bank of the United Arab Emirates, without taking additional consent. I consent to the (one time) release of my account statement exclusively for the purpose stipulated in this Consent Form. Citibank has my consent to obtain my 6 months account statement with the details shared. Why is this consent needed and how will your information be used? Your consent (permission) is required for us to obtain and share your account information, including the transaction details for the identified period, is needed for the purposes listed and explained below. The information provided will be shared and retained in accordance with applicable law concerning data security and privacy protections. The information you authorize us to obtain and share will be used to determine your eligibility for the product. Please note that some services may not be available to you unless you consent to share/release information as stated in this Authorization.

** 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
Minimum Salary
AED 8000
Flat Rate
al khaliji France - Personal Loan
Minimum Salary
AED 25000
Flat Rate
Finance House - Executive Finance
Minimum Salary
AED 5000
Flat Rate
Commercial Bank International - Personal Loan
Minimum Salary
AED 8000
Flat Rate