Our loans come with competitive interest rates and flexible payment terms
Earn 500 Etihad Guest Miles for every AED 20,000 loan amount*
High loan amounts available with low interest rates from 5.49% p.a.**
First repayment after 90 days for buyout loans
- Liability Letter
- Salary Transfer Letter
- Bank Statements (6 months)
- Copy of valid passport/visa/Emirates ID (Originals must also be presented)
- NBAD Etihad Guest Personal Loan Terms and Conditions
Note: additional documents may be required on a case-by-case basis
Fees and charges
||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)|
|Product||NBAD Etihad Guest Personal Loan|
|Type of Miles awarded||Joining Miles|
|Frequency of Miles awarded||One time|
|Transaction||On new Personal Loan disbursement|
|Minimum ‘net incremental Loan amount’ (AED)||100,000|
|Miles earning rate||500 Miles for every AED 20,000 slab|
|Miles cap per transaction||10,000 Miles|
|Other eligibility conditions||NBAD Etihad A/C to which salary is transferred & NBAD Etihad Debit Card|
SMS “PL” TO 2050, CALL 02 495 1010 OR VISIT AN NBAD BRANCH FOR MORE INFORMATION.
NBAD Loan Calculator
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.
|*Terms and conditions apply.
**This is a Variable Interest Rate Loan. All interest rates quoted are on reducing loan balance.
Minimum loan amount to earn miles is AED 100,000. Maximum Miles cap per transaction is 10,000 miles.
This is a promotional offer valid for a limited period only and may be subject to change or discontinuation at the sole discretion of the bank.
Discover other NBAD Etihad Guest products
View our range of NBAD Etihad Guest credit cards, accounts and loans