Abu Dhabi Commercial Bank (ADCB) is one of the UAE’s leading financial institutions, it’s well known for providing fast, flexible, and customer-friendly personal loan solutions. With thousands of residents searching for quick financial support, the ADCB Personal Loan has become a popular option—thanks to its easy online application process, competitive interest rates, and high loan limits.

What Is ADCB Personal Loan?

The ADCB Personal Loan is a flexible financial solution designed to help UAE residents and expatriates access funds quickly without complicated paperwork or long waiting times. With a high loan amount of up to AED 150,000, ADCB makes it easier for customers to manage personal expenses, handle emergencies, or fund major life events.

This loan is structured as an unsecured personal loan, meaning you do not need to provide collateral or security. The bank uses your income, employment stability, and credit score to determine your eligibility and loan amount.

ADCB’s digital banking system allows you to apply online through the ADCB website or mobile app, making the experience fast and convenient. Many applicants receive an instant decision, followed by a quick disbursement of funds into their bank account.

Designed for both salary-transfer and non-salary-transfer customers, the ADCB personal loan offers competitive interest rates, flexible repayment terms, and the option to top up your loan if you need additional funds in the future.

Benefits of ADCB Personal Loan

The ADCB Personal Loan is packed with features that make it one of the most attractive borrowing options in the UAE. Whether you’re looking for fast approval or flexible repayment terms, ADCB provides a smooth and convenient experience for all types of customers.

1. Fast Online Approval

ADCB is known for its quick processing. Many applicants receive instant approval after completing the online form and submitting the required documents.

2. High Loan Amount — Up to AED 150,000

Eligible customers can borrow as much as AED 150,000, making the loan suitable for major expenses like school fees, medical bills, home upgrades, or travel.

3. Flexible Repayment Options

Choose a repayment tenure that fits your budget, typically ranging from 6 to 48 months. This gives you control over your monthly installments.

4. Competitive Reducing Interest Rates

ADCB offers attractive reducing-rate interest, which means you pay interest only on the remaining balance—not the full amount.

5. 100% Online Application

You can apply completely online using the ADCB portal or mobile banking app. No branch visits or paper forms required.

6. Salary Transfer Not Required

While salary-transfer customers get better rates, ADCB also accepts applications from non-salary-transfer customers, making the loan accessible to a wider audience.

7. Quick Fund Disbursement

Once approved, funds are usually released within the same day, enabling you to take care of urgent expenses quickly.

8. Top-Up Loan Option

If you already have an ADCB loan and need additional funds later, you may qualify for a top-up loan with a simple, fast process.

Eligibility Criteria (2025 Updated Requirements)

To qualify for the ADCB Personal Loan, applicants must meet the bank’s updated eligibility standards for 2025. These criteria help ADCB determine your loan amount, interest rate, and approval speed.

1. Minimum Monthly Salary

ADCB typically requires a minimum salary starting from:

AED 5,000–8,000 depending on your employer and loan type
Salary-transfer customers often qualify with a lower minimum.

2. Age Requirement

Applicants must be:

21 to 60 years old (expatriates)
21 to 65 years old (UAE Nationals)

3. Employment Requirements

You must:

Be a salaried employee
Have stable employment for at least 3–6 months at your current company
Work for an employer listed or approved by ADCB (for best rates)

4. Valid UAE Residency

For expatriates:

Valid passport, visa, and Emirates ID required
For UAE Nationals:
Emirates ID only

5. Active UAE Bank Account

You must have an active bank account with ADCB or any other UAE bank where your salary is deposited monthly.

6. Good AECB Credit Score

Your Al Etihad Credit Bureau (AECB) score plays a key role.

Strong credit = faster approval + lower interest
Poor credit = possible rejection or higher rates

7. Debt-Burden Ratio (DBR)

The UAE Central Bank requires your total monthly loan payments not to exceed 50% of your salary.
This includes credit cards, car loans, and any other loans.

8. Salary Transfer (Optional)

Not required, but
Salary-transfer customers receive better interest rates, higher loan limits, and faster processing.

Required Documents

Applying for an ADCB Personal Loan is simple, and the documentation requirements are minimal. Having your documents ready will help speed up the approval process—especially when applying online.

1. Emirates ID (Mandatory)

A valid Emirates ID is required for identification and verification.

2. Passport & UAE Residence Visa

For expatriates:

Passport copy
Valid residence visa page
UAE Nationals only need the Emirates ID.

3. Salary Certificate

A recent salary certificate or employment letter that includes:

Your full name
Job title
Employer details
Monthly salary
Date of joining

4. Bank Statements

Typically 3–6 months of bank statements showing regular salary deposits.
This helps ADCB assess your income stability and spending pattern.

5. Recent Payslips (Optional)

ADCB may ask for your latest 1–2 payslips depending on your employer and application type.

6. Additional Documents for Non-Salary-Transfer Customers

If you are not transferring your salary to ADCB, you may be asked for:

Proof of liabilities
Existing loan or credit card statements
Company ID or labour contract

7. Any Other Supporting Documents

In special cases, ADCB may request:

Visa renewal receipts
Proof of accommodation
Additional identity verification

Having all required documents ready ensures quick assessment and fast approval.

How to Apply for ADCB Personal Loan (Step-by-Step Guide)

Applying for an ADCB Personal Loan is straightforward, and the online process makes it even faster. If your documents are ready, you can complete the application in minutes and receive quick approval.

Follow these steps:

Step 1: Visit the ADCB Website or Mobile App

Go to the official ADCB website or open the ADCB Mobile App.
Navigate to the “Personal Loans” section and select the product that fits your needs.

Step 2: Use the Loan Calculator

Before applying, use ADCB’s loan calculator to:

Enter your preferred loan amount (up to AED 150,000)
Choose your repayment tenure
View estimated monthly installments

This helps you plan your budget.

Step 3: Fill in the Online Eligibility Form

Provide basic information such as:

Full name
Mobile number
Monthly salary
Employer name
Loan amount required

ADCB will instantly check your eligibility.

Step 4: Upload Required Documents

Upload clear copies of:

Emirates ID
Passport & visa (for expatriates)
Salary certificate
Bank statements
This step is fully secure and takes only a few minutes.

Step 5: Complete Identity Verification

ADCB may request:

A selfie or facial verification
A short video KYC
Additional document confirmation

This ensures safe processing.

Step 6: Get Fast Approval

Once the documents are reviewed:

You will receive an SMS or email informing you of the approval
Some applicants get approval within minutes

Step 7: Loan Disbursement

After approval, the loan amount is transferred directly to your UAE bank account—often on the same day.

You can now use your funds for emergencies, personal expenses, education, travel, or any financial need.

ADCB Personal Loan Interest Rates & Fees

Understanding the costs associated with your loan is essential before applying. ADCB offers transparent pricing, competitive rates, and fair fees to ensure customers can manage their loans comfortably.

Below is the 2025 breakdown:

Reducing Interest Rate

ADCB offers a reducing-rate interest, meaning you only pay interest on the remaining loan balance each month.
Typical range:

25% – 15.0% reducing rate
Your exact rate depends on:
Salary
Employer category
Credit score
Salary transfer or non-salary-transfer status

Flat Rate (Approximation)

For reference:

This equals roughly 9% – 7.5% flat rate

Processing Fee

ADCB charges a one-time processing fee, usually:

1% of the loan amount
(Minimum and maximum amounts may apply.)

Early Settlement Fee

If you repay your loan early:

1% of the remaining balance, or
As per UAE Central Bank caps

This can help you save significantly on interest.

Loan Cancellation Fee

If you cancel after approval but before disbursement:

A small administrative fee may apply.

Late Payment Fee

If you miss a payment:

You will be charged a late fee
Your AECB credit score may be affected

It’s recommended to activate auto-debit to avoid missed payments.

Insurance / Takaful Coverage

ADCB includes optional loan protection coverage that supports you in cases of:

Loss of employment
Disability
Death

The fee is small and usually added to the monthly installment.

Frequently Asked Questions

1. What is the maximum loan amount I can get from ADCB?

You can get up to AED 150,000 or more, depending on your salary, employer category, and credit history.

2. How fast is ADCB loan approval?

Approval can be same-day, and in many cases, customers receive approval within a few hours, especially for salary-transfer applicants.

3. Do I need to transfer my salary to ADCB?

No, salary transfer is not mandatory

4. Can I apply online?

Yes! You can complete the entire application online through ADCB website or mobile app

5. How long is the repayment period?

You can choose between: 6 months to 48 months (4 years).