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You must be more than 18 years old and have:
An active UAE mobile number
An Emirates ID
Your passport
Proof of income
A minimum salary of AED 5,000
With an Emirates NBD Priority Banking Personal Loan, you have a multitude of choices for the right loan to suit you and your individual circumstances, as well as higher loan amounts at preferential rates.
Unlike standard loans, the Emirates NBD FlexiLoan allows you to benefit from any changes to the UAE’s EIBOR, either monthly or semi-annually. This makes the cost of your loan more transparent and helps you take advantage of changing interest rates* in planning your finances.
*Starting from 4.77%
EIBOR is the "Emirates Interbank Offered Rate" or essentially the national base interest rate
The FlexiLoan is reviewed every month or 6 months, based on your choice. Your base interest rate will be refreshed to reflect the current EIBOR rate for the period you have selected.
A variable rate can be lower than a fixed rate. The cost of your loan is based on the reducing balance, and you also get a guaranteed reduced interest rate for the first 6 months of your loan to save you more.
That’s not all – you will also be offered a first year free Premium Credit Card* of your choice with all its exclusive benefits. Existing Cardholders will receive a free renewal.
*Applicable on loans of AED 150,000 and above
Every child has a dream, and you would love to make it come true. Shape your child's future with Scholar Plus education loan that makes it more convenient to pay for their further education.
Terms and Conditions apply.
50,000300,000
1248 months
Rates starting from 4.99% p.a. reducing. Minimum loan tenor 12 months, maximum loan tenor 48 months. Terms and conditions apply. Interest rates vary by tenor & subject to bank policy.
Who can apply?
Parents of prospective students or working professionals who are already pursuing or would want to pursue executive programs while working:
What type of education is financed?
Student wishing to apply for a summer internship opportunity would need to submit their application via email to scholarplus@emiratesnbd.com with the following details:
If you had the opportunity to combine all your payments for loans and credit cards into one easy solution, why wouldn’t you take it? Eliminate all the hassles of paying multiple and cut down on your monthly payments. Our One Pay package includes:
Existing monthly payments* | Credit Card 1 | Credit card 2 | Personal Loan | Auto Loan | Total | Debt Consolidation facility |
---|---|---|---|---|---|---|
Existing balance / limit | AED 20,000 | AED 25,000 | AED 100,000 | AED 80,000 | AED 225,000 | AED 225,000 |
Monthly payment / EMI | AED 2,000 | AED 2,500 | AED 4,568 | AED 3,582 | AED 12,650 | AED 5,599 |
That’s not all – you will also be offered a first year free Premium Credit Card* of your choice with all its exclusive benefits.
*Applicable on loans of AED 150,000 and above
Whether you want to renovate your home or send your children to a better school, we have the right loan package to help you achieve your goals. These loans include:
*Flat rate, equivalent to 5.49% reducing.
Customers who are not satisfied with the personal loan have the option of returning it with no fees or charges. The following conditions apply:
Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.
*Subject to Terms of the policy, Terms & Conditions apply.
Eligibility:
If quarterly, half-yearly or annual rent cheques put a strain on your finances, an Emirates NBD Short Term Cash Loan is your answer. Other cash shortfalls like medical or school fees, unexpected travel or credit card debt may also stretch your finances.
We want to encourage the entrepreneurial spirit of UAE Nationals and our loan packages can help harness your new start up or another ambition.
Emirates NBD strives to provide finance for everybody who needs it. You can secure a Personal Cash Loan of up to AED 500,000 even if your employer is not on our Approved List.
With an Emirates NBD Personal Loan with Additional Income, UAE Nationals can use extra rental income or an earned sponsorship fee for a loan opportunity to receive additional financing for unexpected expenses.
We have created the Automated Top Up Programme because we know your financial needs are changing all the time. Even if you already have a Personal Loan with Emirates NBD, for regular-paying customers we can provide additional finance when you need it.
As we all know, moving job or country is both exciting and challenging. Having your finances organized is one less headache. This loan makes your financial transition that much easier.
With your End-of-Service Benefit assigned to Emirates NBD by your employer you can get a loan package that meets your financial needs. This is a particularly good option when you have regular outgoings but want to protect your benefits.
When you need a loan that is above your own limit, you can increase your eligibility by applying with a salaried spouse or relative with our Co-Applicant Programme. You can use all or part of the second income.
Even if your employer is unable to provide End-of-Service benefits or to assign them to Emirates NBD, we still have ways for you to be eligible to get a loan. For a minimum salary of AED 10,000 we can find a solution for you.
If you are a Non-Resident Indian and you have a Fixed Deposit with us or our Indian partner bank, we can tailor a loan specially for you without affecting your deposit. This comes with attractive interest rates on your reducing balance through the loan period.
We aim to give everyone the opportunity to achieve their goals. Even if you do not have an account with us to which your salary is transferred, you can still apply for a personal loan with Emirates NBD.
If you are a qualified doctor, engineer, architect or accountant, or in fact anyone with a professional qualification we have a loan especially tailored for you. We recognize your value to society and have thus made getting a loan from Emirates NBD easier for you
If you are self-employed and need a little bit of financial help to tide you over, an Emirates NBD Priority Banking loan specifically for you is the answer. You don’t need to provide details of what the funds are for, and we do not seek collateral or a guarantor.
If quarterly, half-yearly or annual rent cheques put a strain on your finances, an Emirates NBD Short Term Cash Loan is your answer. Other cash shortfalls like medical or school fees, unexpected travel or credit card debt may also stretch your finances.
With interest rates starting from 2.2%*, you can cope with such eventualities and pay back a little every month. Features of these loans include:
*Flat rate, equivalent to 4.24% reducing
We want to encourage the entrepreneurial spirit of UAE Nationals and our loan packages can help harness your new start up or another ambition. These loans include:
*Flat rate, equivalent to 5.49% reducing
Customers who are not satisfied with the personal loan have the option of returning it with no fees or charges. The following conditions apply:
Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.
*Subject to Terms of the policy, Terms & Conditions apply.
Loan Tenure of 48 months.
Eligibility:
Find out the list of documents required with your Personal Loan application:
Valid Passport Copy with Idbara page & Emirates ID
Latest Salary Certificate / Salary Transfer Letter
Undated Security Cheque
Latest 3 Months Bank statement
Terms & Conditions:
Additional Notes:
Emirates NBD strives to provide finance for everybody who needs it. You can secure a Personal Cash Loan of up to AED 500,000 even if your employer is not on our Approved List.
Customers who are not satisfied with the personal loan have the option of returning it with no fees or charges. The following conditions apply:
Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.
*Subject to Terms of the policy, Terms & Conditions apply.
Eligibility:
With an Emirates NBD Personal Loan with Additional Income, UAE Nationals can use extra rental income or an earned sponsorship fee for a loan opportunity to receive additional financing for unexpected expenses. Features of this account include:
Customers who are not satisfied with the personal loan have the option of returning it with no fees or charges. The following conditions apply:
Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.
*Subject to Terms of the policy, Terms & Conditions apply.
Eligibility:
We have created the Automated Top Up Programme because we know your financial needs are changing all the time. Even if you already have a Personal Loan with Emirates NBD, for regular-paying customers we can provide additional finance when you need it. Features include:
Customers who are not satisfied with the personal loan have the option of returning it with no fees or charges. The following conditions apply:
Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.
*Subject to Terms of the policy, Terms & Conditions apply.
Eligibility:
As we all know, moving job or country is both exciting and challenging. Having your finances organized is one less headache. This loan makes your financial transition that much easier. Its features include:
* 3 years tenor
Customers who are not satisfied with the personal loan have the option of returning it with no fees or charges. The following conditions apply:
Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.
*Subject to Terms of the policy, Terms & Conditions apply.
Eligibility:
With your End-of-Service Benefit assigned to Emirates NBD by your employer you can get a loan package that meets your financial needs. This is a particularly good option when you have regular outgoings but want to protect your benefits. Other features of this loan are:
Customers who are not satisfied with the personal loan have the option of returning it with no fees or charges. The following conditions apply:
Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.
*Subject to Terms of the policy, Terms & Conditions apply.
Eligibility:
When you need a loan that is above your own limit, you can increase your eligibility by applying with a salaried spouse or relative with our Co-Applicant Programme. You can use all or part of the second income. Other features include:
Customers who are not satisfied with the personal loan have the option of returning it with no fees or charges. The following conditions apply:
Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.
*Subject to Terms of the policy, Terms & Conditions apply.
Eligibility:
Even if your employer is unable to provide End-of-Service benefits or to assign them to Emirates NBD, we still have ways for you to be eligible to get a loan. For a minimum salary of AED 10,000 we can find a solution for you. Features of this loan are:
Customers who are not satisfied with the personal loan have the option of returning it with no fees or charges. The following conditions apply:
Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.
*Subject to Terms of the policy, Terms & Conditions apply.
Eligibility:
If you are a Non-Resident Indian and you have a Fixed Deposit with us or our Indian partner bank, we can tailor a loan specially for you without affecting your deposit. This comes with attractive interest rates on your reducing balance through the loan period. Other features of this loan are:
Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.
*Subject to Terms of the policy, Terms & Conditions apply.
Eligibility:
We aim to give everyone the opportunity to achieve their goals. Even if you do not have an account with us to which your salary is transferred, you can still apply for a personal loan with Emirates NBD. This loan includes the following features:
Customers who are not satisfied with the personal loan have the option of returning it with no fees or charges. The following conditions apply:
Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.
*Subject to Terms of the policy, Terms & Conditions apply.
Eligibility:
If you are a qualified doctor, engineer, architect or accountant, or in fact anyone with a professional qualification we have a loan especially tailored for you. We recognize your value to society and have thus made getting a loan from Emirates NBD easier for you. This loan has the following features:
Customers who are not satisfied with the personal loan have the option of returning it with no fees or charges. The following conditions apply:
Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.
*Subject to Terms of the policy, Terms & Conditions apply.
Eligibility:
If you are self-employed and need a little bit of financial help to tide you over, an Emirates NBD Priority Banking loan specifically for you is the answer. You don’t need to provide details of what the funds are for, and we do not seek collateral or a guarantor. Other key features of this loan are:
Customers who are not satisfied with the personal loan have the option of returning it with no fees or charges. The following conditions apply:
Credit life Insurance (CLI) is a personal life insurance cover provided under the Group Credit Life Insurance policy where, in the unfortunate event of borrower’s death, the outstanding loan amount will be covered under this insurance scheme by the insurance company*.
*Subject to Terms of the policy, Terms & Conditions apply.
Eligibility:
The Al Etihad Credit Bureau creates credit scores for both individuals and businesses. These are three-digit numbers based on your financial history which help banks and other lenders assess the likelihood of you paying loan or credit card instalments on time. The score ranges from 300 to 900. Emirates NBD is proud to have been among the first banks to use Credit Scores for processing new product applications. The higher the score you have the more benefits you can enjoy, such as faster processing of your application, less paperwork, enhanced eligibility, lower interest rates and higher loan amounts and credit limits.
In the first meeting your RM will try and understand you as an individual to better appreciate your attributes and aspirations. To suggest an appropriate banking solution to you, your RM may enquire about your hobbies, interests, investment risk profile, financial goals and timelines to achieve these objectives in future.
The list of documents would vary depending on the nature of the product or service you wish to avail. A valid passport copy and Visa (for expatriates) would be required in general.
Click Here to Book Appointment
To apply for an Emirates NBD personal loan today, simply call 800-100, request a call back or apply directly through online banking, or at any Emirates NBD branch.
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