UAE 
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First Addu Dhabbi Bank Institute
First Addu Dhabbi Bank Institute P.J.S.CGET - On the app Store
Personal Loans
- Get a personal loan at 3.79% per year for UAE Nationals and 3.99% per year for Expatriates1
- Up to 150 days grace period for UAE nationals and 90 days for expats before the first repayment
- Loan amounts up to AED 5 million2 for UAE nationals and up to AED 2 million2 for Expats
WARNING
- You may have to pay penalties if you pay off a loan/financing early
- If you do not meet the repayments/payments on your loan/financing, your account will go into arrears. This may affect your credit rating, which may limit your ability to access financing in the future
- Refinancing your loans/financing may take longer to pay off than your previous loan/financing and may result in paying more In interest/profit
Are you
Non-Salary Transfer Personal Loan for UAE Nationals
Get the personal loan you need without having to transfer your salary.
- High loan amounts of up to AED 1 million
- No salary transfer required
- Minimum monthly salary of AED 15,000
Non-Salary Transfer Personal Loans for Expatriates
Get the personal loan you need without having to transfer your salary.
- High loan amounts of up to AED 600,000
- Minimum monthly salary of AED 15,000
- No salary transfer required
Personal Loan for UAE Nationals
Personal loans exclusively tailored for UAE Nationals.
- Loan amount of up to AED 5 million
- Loan duration of up to 48 months
- Minimum monthly salary of AED 7,000
Personal Loans for Expats
Interest rates from 3.99% variable rate per year.
- Loans amount of up to AED 2 million
- Loan duration up to 48 months
- Minimum monthly salary of AED 7,000
New to Country Loans / New to Employment Loans
Our loans will help you settle in UAE.
- Loan amounts of up to AED 600,000
- Loan duration of up to 48 months
- Minimum monthly salary of AED 10,000
Etihad Guest Personal Loan
Earn Guest Miles with Etihad Airways.
- Earn Etihad Guest Miles on new loans, buyouts, top-ups or additional personal loans
- Earn 500 Guest Miles for every AED 20,000 borrowed
- Minimum monthly salary of AED 7,000
Secured Loans
Get a secured loan against your fixed deposits with FAB.
- Loans of up to AED 5 million
- Loan duration of up to 48 months
- Minimum monthly salary of AED 7,000
Landlord Loans
Borrow against the value of your rental income.
- Loans of up to AED 2 million
- Loan duration of up to 48 months
- Minimum monthly salary of AED 7,000
National Loans Scheme
Developed by the Central Bank of the UAE.
- Exclusively for UAE nationals with loans prior to May 2011
- Debt burden ratio should exceed 50% of their monthly salary
Buyout Loans
Take control of your finances by moving your loans to FAB.
- Loan amounts of up to AED 5 million
- Loan duration of up to 48 months
Car Loans for Salaried Individuals
Buy your dream car with FAB.
- Loans of up to AED 1.5 million or 80% of the car value
- Finance available for new and used cars
- Minimum monthly salary of AED 8,000
From 2.35% p.a.
Car Loans for Self Employed Individuals
You’re your own boss. Now own the car of your dreams.
- Loan amount of up to AED 1,500,000 AED or 80% of the car value
- Finance available for new and used cars
- Minimum monthly salary of AED 25,000
From 2.99% p.a.
Etihad Guest Car Loan
Earn miles on your car loan with FAB.
- Earn 350 miles for every AED 20,000 loaned
- 100% financing of your car insurance
- Minimum monthly salary of AED 7,000
From 2.99% p.a.
FAB current variable rates %:
All interest rates quoted are effective rates on loan outstanding balance.
- This is a Variable Interest Rate Loan and subject to an introductory discount over the variable rate, which is only applicable for the first nine months
- Loan amount will be based on individual customer eligibility
Click here for FAB Current Variable Rates
Click here for FAB Personal Loan Buyers Guide
Click here for FAB Personal Loans Summary of Credit Life Insurance Benefits
Frequently Asked Questions
Can't find what you are looking for?
We are currently experiencing higher call volumes than usual. We encourage you to use the FAB Mobile application and check our Frequently Asked Questions (FAQs) page.