Personal Loan for UAE Nationals

If you're a UAE citizen, you can apply for a flexible personal loan for nationals to help you achieve your financial goals.

NBAD provides personal loans up to AED 5 million for UAE Nationals with flexible repayment terms of up to 48 months and competitive interest rates.

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

  • Generous loan amounts

    Up to AED 5 million for UAE Nationals

  • Competitive interest rates

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

  • Flexible repayment terms

    Terms up to 48 months
    (60 months for UAE Armed Forces employees)

NBAD Loan Calculator

Calculate your monthly instalments

NBAD Personal Loans vary from loans for UAE nationals, expats, start-up, buyout, secured, consolidated, landlords and overdrafts.

The NBAD Loan Calculator helps you calculate your monthly instalments based on the amount you wish to borrow, the loan duration and the interest rate offered.

Know more

Required documents

  • Salary Transfer Letter
  • Copy of valid Passport / Visa / Emirates ID (Originals must also be presented)

Fees and charges

Processing fees
1% of loan amount (min. AED 500, max. AED 2,500)
Processing Fees 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)

Borrow, invest or save with NBAD

View our wide range of products, including credit cards, mortgages, investment funds and more.

*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.

Ways to Apply

Visit a Branch

Talk to our experts about your banking needs

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UAE Helpline

600 56 6223

International Helpline

+971 2 635 8001

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