Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Emirates Islamic - Personal Finance For Expats Emirates Islamic - Personal Finance For Expats Minimum Salary: AED 10,000 Salary Transfer: Yes Islamic Finance: Yes Maximum Term: 4 Years Flat Rate: 2.95% Reducing Rate: 5.39%
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Key Benefits

High Personal Finance amounts up to AED 2 Million for Expats plus attractive profit rates

Profit rates vary depending on salary

Payment period

Flexible, extended repayment periods of up to 4 years with first payment holiday up to 90 days

Consolidating debts

Transfer finance facilities from other banks to Emirates Islamic under one consolidated Personal Finance solution to enjoy lower profit rates with a single monthly installment plan.


Emirates Islamic Personal Finance brings you attractive profit rates, high finance amounts, flexible repayment periods, and a simple and quick approval process. If you need funds to consolidate debt, travel the world, renovate your house, or fund an investment, Emirates Islamic Personal Finance is your perfect solution.
  • High finance amounts up to AED 2 million for Expats
  • Attractive profit rates from 2.95% flat p.a.
  • Flexible, extended repayment periods of up to 4 years
  • Simple, quick approval process
  • Holiday period up to 90 Days
  • Can be used to consolidate all debts into 1 single payment plan
  • External credit cards can be paid off for a lower monthly payment
  • Free takaful coverage


  • Minimum monthly salary of AED 10,000 for Expats 
  • Length of service - Minimum six months confirmation
  • Minimum age of 21 years
  • Maximum age of 60 for Expats at the time of finance maturity
  • Tenure - 48 months (standard debt settlement) 
Terms and conditions apply. Benefits and features can be changed without any prior notice. All Finance facilities are subject to the Bank's discretion.

Documents Required

To apply for Emirates Islamic Bank's personal finance solution, you will need the following documents:

  • Completed application form
  • Copy of valid passport with valid UAE residence visa for Expats (original required for verification)
  • Salary transfer letter / salary certificate (for salaried customers only)
  • Emirates ID 

This pricing is valid for debt consolidation, until December 31st 2022.

Additional Information

** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual profit 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 profit 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 profit rates and fee structures.
Representative Example Calculator
CBD Absher Personal Finance
Minimum Salary
AED 8000
Flat Rate