Apply for a personal loan top-up

Top up your Emirates NBD personal loan quickly via Mobile or Online banking, or visit a branch

Need extra cash urgently?

We understand that you may need extra cash urgently at times, so we've made it easy for you to top up your Emirates NBD personal loan quickly and conveniently. Just log in to Mobile or Online Banking to apply. You can also visit a branch near you or apply via our website.

If you have a loan at another bank which does not offer a top-up loan, you can shift your loan to Emirates NBD by simply applying for a new loan with us and closing the other one.

Eligibility

You can apply for a loan top-up right away if:

You borrowed less than the full amount you are eligible for
You borrowed the full amount you are eligible for and you have paid at least 12 EMIs

You have never defaulted on payments

Apply now

Fees

A processing fee of 1.05% of the incremental loan amount (a minimum of AED 525 and a maximum of AED 2,625) applies.

FAQs

If my salary has changed since I applied for the loan will I get a top-up?

You can request for a top-up if your salary has increased, but it's always subject to the bank's approval.

If I have defaulted just once will the bank give me a top-up on my loan?

This is subject to a credit review approval by the bank.

I’m close to retirement age, will the bank give me a top-up on my loan?

You’ll get a top-up only if the loan maturity date is before your retirement age.

How long does it take for a loan top-up amount to reach my account?

This normally happens in 3 to 5 working days.

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