Minimum Salary Salary Transfer Islamic Finance Maximum Term Flat Rate Reducing Rate
FAB -Non-Salary Transfer Personal Loans for UAE Nationals FAB -Non-Salary Transfer Personal Loans for UAE Nationals Minimum Salary: AED 15,000 Salary Transfer: No Islamic Finance: Yes Maximum Term: 4 Years Flat Rate: 4.86% Reducing Rate: 8.99%
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Get the personal loan you need without having to transfer your salary.

Features - Enjoy great rates & flexibility

High personal loan amounts of up to AED one million with flexible payment terms of up to 48 months (or up to 60 months for Ministry of Defence employees)

Lowest-in-class rates starting from 8.99%* fixed per year

A salary transfer to a FAB account is not required, and you can pay your instalments from the bank account into which you receive your salary each month

A personal loan is available even if your employer is not on FAB’s Approved List of Employers

Comprehensive life insurance coverage

Eligibility - Here's how you qualify

A minimum monthly income of AED 15,000

Acceptable Credit Bureau Score

A minimum of 18 months service with your current employer

Applicants must be 21+ years old

Required Documents - This is what we'll need

Copy of a valid passport/Emirates ID (originals must also be presented)

Bank statements for the last six months showing salary credits (if salary is not credited to a FAB account)

Salary certificate addressed to FAB

Signed and completed application


*Terms and conditions apply.
*All interest rates quoted are effective rates on the loan’s outstanding balance.


*Rates shown are minimum available and may vary depending on income, credit bureau score, and lender’s approval criteria.

** Calculator Definitions
Amount: The total amount of money borrowed, also referred to as the principal amount.
Rate (%): This is the annual interest 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 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%