Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
Emirates Islamic - Personal Finance for UAE Nationals Emirates Islamic - Personal Finance for UAE Nationals Minimum Salary: AED 10,000 Salary Transfer: No Islamic Finance: Yes Maximum Term: 4 Years Flat Rate: 2.89% Reducing Rate: 5.28%
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Personal Finance for UAE Nationals

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.

Key Benefits

Attractive profit rates 

Enjoy low profit rates starting from just 2.89% flat p.a.

Profit rates vary depending on salary

High Personal Finance amounts

Enjoy up to 4 Million, exclusively for UAE Nationals.

Repayment periods

Flexible, extended repayment periods of up to 4 years and 5 years for MOD employees.

Payment Holiday  

Enjoy first payment holiday up to 120 days. What’s more you can choose to defer a payment twice a year subject to Bank approval.

Consolidating debts

Transfer all your 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.


  • Minimum monthly salary of AED 10,000 for UAE Nationals
  • Minimum age of 21 years
  • Maximum age of 65 for UAE Nationals
  • Tenure - 48 months (Standard debt settlement)

Documents Required

In order to apply for Emirates Islamic Personal Finance solution, you will need the following documents:

  • Emirates ID
  • Completed application form
  • Copy of valid passport
  • Salary transfer letter / salary certificate (for salaried customers only)
Terms and conditions apply. Benefits and features can be changed without any prior notice. All Finance facilities are subject to the Bank's discretion.
** 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