The Commercial Bank of Dubai (CBD) is one of the UAE’s most reputable and digitally advanced banks, offering customers easy access to financial solutions designed for convenience and flexibility. In 2025, CBD continues to stand out for its competitive personal loan products, available to both UAE nationals and expatriates.
Advertisements
For individuals looking to manage urgent expenses such as education fees, medical bills, travel costs, home repairs, or debt consolidation, the CBD Personal Loan 2025 provides a simple and affordable way to borrow up to AED 180,000 with low interest rates and fast approval.
With a strong focus on digital banking, CBD ensures a seamless application process through its website and mobile app, making it one of the most customer-friendly personal loan choices in the UAE this year.
What Is the CBD Personal Loan?
The CBD Personal Loan is a flexible financing solution designed to support customers’ personal and financial needs with affordable repayment options. CBD offers both:
Salary-transfer personal loans
- Lower interest rates
- Higher loan amounts
- Faster approvals
Non-salary-transfer personal loans
- More flexibility
- Suitable for customers who prefer to keep their salary with another bank
CBD uses fixed or reducing balance interest rates, depending on the loan type. The reducing balance model ensures interest is calculated only on the remaining principal, making repayments fairer over time.
What makes the CBD loan competitive in 2025 is its combination of:
- Fast digital processing
- Low interest rates
- High loan limits
- Excellent customer support
Key Features of CBD Personal Loan
Here are the standout features that make CBD a top personal loan provider in the UAE:
Loan Amounts Up to AED 180,000
Borrow based on your salary, employer category, and credit score.
Low Interest Rates
CBD offers some of the most competitive personal loan interest rates in 2025, especially for salary-transfer customers.
Fast Approval Process
Applications submitted online or through the mobile app can receive quick approval, often within the same day.
Flexible Repayment Periods
Choose repayment tenures of up to 48 months, making your monthly instalments more manageable.
Salary-Transfer & Non-Salary-Transfer Options
Both locals and expats can apply with or without transferring salary.
Life Insurance Coverage
Loan holders may receive life insurance as part of their financing package.
No Hidden Fees
CBD maintains complete transparency with fees and interest calculations.
Available to UAE Nationals & Expats
The loan is open to all eligible UAE residents with stable income and valid documentation.
Eligibility Requirements for 2025
To apply for the CBD Personal Loan, customers must meet the following requirements:
Minimum Salary
- Minimum salary typically starts at AED 8,000
- Higher requirements may apply for non-salary-transfer applicants
Age Criteria
- Minimum: 21 years
- Maximum at loan maturity: 60–65 years, depending on nationality and employment type
Employment Requirements
- Must be employed with a CBD-approved listed employer
- Minimum employment period: 3–6 months
Residency Status
- Open to UAE nationals and expats with valid UAE residence visas
AECB Credit Score
Applicants should have:
- Clean repayment history
- No bounced cheques
- Good AECB credit score to qualify for competitive rates
Salary Transfer Rules
- Salary-transfer loans offer lower rates
- Non-transfer options available with stricter requirements
Required Documents
To complete your CBD Personal Loan application, prepare the following documents:
Emirates ID Copy
Mandatory for all applicants.
Passport + Visa Page (Expats)
Including a valid UAE residency visa.
Salary Certificate or Employment Letter
Must include:
- Job title
- Start date
- Monthly salary
- Employer details
Recent Bank Statements
- 3 months for most salary-transfer cases
- 3–6 months for non-salary-transfer loans
Completed Loan Application Form
Can be filled online, through the app, or in branch.
Additional Documents (If Required)
CBD may request:
- Payslips
- AECB credit report
- Employment contract
Having these documents ready helps speed up your approval.
How to Apply for a CBD Personal Loan in 2025
CBD has streamlined the application process to make it easy and fully digital. You can apply online in minutes and receive approval quickly.
Step 1: Visit the CBD Website or Mobile App
Go to the Personal Loans section and click Apply Now.
Step 2: Fill Out the Online Application
Submit personal details, residency information, and employment details.
Step 3: Upload Required Documents
Scan and attach:
- Emirates ID
- Passport and visa (expats)
- Salary certificate
- Bank statements
Step 4: Receive Initial Approval
If eligible, you may receive same-day approval or instant pre-approval.
Step 5: Verification Call
A CBD representative will contact you to:
- Confirm details
- Finalize loan amount
- Explain repayment terms
Step 6: Sign the Loan Agreement
Sign digitally or in branch (depending on your employer and salary-transfer status).
Step 7: Loan Disbursement
Once approved, the loan amount is typically disbursed within 24–48 hours.
Frequently Asked Questions (FAQ)
- How much can I borrow from CBD?
You can borrow up to AED 180,000, depending on salary, employer, and credit score.
- What is the interest rate for CBD Personal Loans in 2025?
CBD offers low interest rates, with salary-transfer customers receiving the most competitive rates.
- Do I need to transfer my salary to CBD?
Not always. CBD offers both:
- Salary-transfer loans (lower rates)
- Non-salary-transfer loans (higher requirements)
- What is the minimum salary required?
Most applicants must earn at least AED 8,000 per month, depending on employer category.
- Can expats apply for the CBD Personal Loan?
Yes. Expats with valid UAE residency and stable employment can apply.
- How fast is the approval process?
Approval can be same-day, especially for applicants with listed employers and complete documents.
- Can I settle the loan early?
Yes, early settlement is allowed, subject to fees as per UAE Central Bank regulations.
- Will this affect my credit score?
Yes. Timely repayments improve your AECB credit score, while delays may negatively impact it.