Personal Loans for Expats

Plan a new life in the UAE with our convenient expat personal loans.

Expatriates living in the UAE can apply for a personal loan from NBAD up to AED 2 million - enjoy competitive interest rates and repayment periods up to 48 months.

Our loans come with competitive interest rates and flexible repayment terms.

  • High loans

    Generous loan amounts*

  • Competitive interest rates

    Starting from 4.74% p.a.* on new loans  

  • Flexible repayment terms

    Terms up to 48 months

Required documents

  • Bank statements
  • Salary transfer letter or salary certificate
  • Copy of valid Passport / Visa / Emirates ID (Originals must also be presented)

Fees and charges

Processing Fee 1% of loan amount (min. AED 500, max. AED 2,500)
Processing Fee on Loan Top-ups 1% of the top-up amount (min. AED 500, max. AED 2,500)
Loan Cancellation Fee AED 100 (if cancelled before disbursal)
Life Insurance Fee 1% upfront on all approved loan amount
Instalment Deferral Fee AED 100 per deferral
Late Payment Fee 2% of overdue amount (min. AED 50, max. AED 200)
Loan Rescheduling Fee AED 250
Early Settlement Fees 1% of amount prepaid (if partial settlement)
1% of amount outstanding (if full settlement)
1% of amount outstanding, max AED 10,000 (in case of buyout)
Reference Rate For Variable Rate Loans NBAD Personal Loan Base Rate (PBR)

Enter the amounts and the interest rate

Representative example

Monthly repayment:


Borrow, invest or save with NBAD

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*Terms and Conditions apply. This is a Variable Interest Rate Loan. All interest rates quoted are on reducing loan balance.
This is a promotional offer valid for a limited period only and may be subject to change / discontinuance at the sole discretion of the Bank.
*Individual customer loan amount will be based on individual customer eligibility.

Ways to Apply

Visit a Branch

Talk to our experts about your banking needs

Phone Us

Lines Open 24/7

UAE Helpline

600 56 6223

International Helpline

+971 2 635 8001

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