Compare the Best Personal Loan Companies

Want to pay off your student loans fast – and save a ton of money in the process?

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Check out and compare the best student loan refinancing options below.

Lender Interest Rate Min. Salary Tenure Islamic Finance
mashreq personal loan

6.49%

Reducing Rate

AED 7000

Min. Salary

6 - 48 Months

Available Terms

No

Apply Now

Mashreq Debt Consolidation Loan

Top reasons to choose

Discover an efficient way to repay your loans Combine your debts into one personal loan and save on interest repayments.

  • Lower collective payments on the debt consolidation
  • 1st EMI deferral period up to 90 days
  • Save more money on reduced interest payment

Minimum Salary

AED 7000

Interest Rate

6.49% Reducing

Salary Transfer

Required

  • Lower monthly payments
  • Increased disposable income
  • Reduced interest payments over lifecycle
  • Higher Loan amount:
    – AED 1 Million for Expats and AED 3 Million for UAE Nationals
  • Last 3 months bank statement with salary credit
  • Salary Transfer Letter as per Mashreq format Or Salary Cert. for Govt./ Semi Govt. employees
  • Passport Copy with Valid residence visa
  • Valid Emirates ID

Mashreq Debt Consolidation Loan

Top reasons to choose

Discover an efficient way to repay your loans Combine your debts into one personal loan and save on interest repayments.

  • Lower collective payments on the debt consolidation
  • 1st EMI deferral period up to 90 days
  • Save more money on reduced interest payment
  • Lower monthly payments
  • Increased disposable income
  • Reduced interest payments over lifecycle
  • Higher Loan amount:
    – AED 1 Million for Expats and AED 3 Million for UAE Nationals
  • Last 3 months bank statement with salary credit
  • Salary Transfer Letter as per Mashreq format Or Salary Cert. for Govt./ Semi Govt. employees
  • Passport Copy with Valid residence visa
  • Valid Emirates ID
ADCB

11.33%

Reducing Rate

AED 10000

Min. Salary

6 - 48 Months

Available Terms

No

Apply Now

ADCB Personal Loan

Top reasons to choose

A customized solution that suits your ambitions with ADCB Loans

  • Attractive personal loan amounts up to AED 2 Million
  • Competitive interest rates
  • Minimum documentation
  • Fleximble repayment terms
  • Quick and seamless processing

Minimum Salary

AED 10,000

Interest Rate

11.33% Reducing

Salary Transfer

Required

  • Highest salary multiples
  • Longest repayment periods
  • Low interest rates
  • Consolidation of loans available
  • Simple documentation
  • Credit Life Insurance
  • Free ADCB Credit Card
  • Plus up to 2 times salary overdraft
  • Completed Application Form
  • Valid Passport, Visa and EID card copy
  • Last 3 months banks statements copy
  • Salary Certificate issued to ADCB, dated 30 days or less from date of loan application
  • Salary transfer letter
  • Details of existing loans/ liabilities
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ADCB Personal Loan

Top reasons to choose

A customized solution that suits your ambitions with ADCB Loans

  • Attractive personal loan amounts up to AED 2 Million
  • Competitive interest rates
  • Minimum documentation
  • Fleximble repayment terms
  • Quick and seamless processing
  • Highest salary multiples
  • Longest repayment periods
  • Low interest rates
  • Consolidation of loans available
  • Simple documentation
  • Credit Life Insurance
  • Free ADCB Credit Card
  • Plus up to 2 times salary overdraft
  • Completed Application Form
  • Valid Passport, Visa and EID card copy
  • Last 3 months banks statements copy
  • Salary Certificate issued to ADCB, dated 30 days or less from date of loan application
  • Salary transfer letter
  • Details of existing loans/ liabilities
ADIB

6.75%

Reducing Rate

AED 8000

Min. Salary

6 - 48 Months

Available Terms

Yes

Apply Now

ADIB Personal Finance

Top reasons to choose

ADIB constantly looks for ways to help you in your life through our Personal Finance solutions.

  • Free pre-approved ADIB VISA Cashback Card for the first year
  • First installment payment grace period up to 90 days

Minimum Salary

AED 8000

Interest Rate

6.75% Reducing

Salary Transfer

Required

  • Finance amounts up to AED 3 Million for UAE nationals and AED 1 Million for expatriates.
  • Competitive profit rates.
  • Flexible repayment terms up to 48 months.
  • Free pre-approved ADIB VISA Cashback Card for the first year
  • First installment payment grace period up to 90 days
  • Two free installments postponements every year
  • Takaful cover protection with competitive rates​
  • Original and copy of valid passport (with valid residence visa for expatriates).
  • Original and copy of valid Emirates ID.
  • Fresh salary transfer letter / Salary certificate addressed to ADIB.
  • Three months bank statement (if salary not credited to ADIB).
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ADIB Personal Finance

Top reasons to choose

ADIB constantly looks for ways to help you in your life through our Personal Finance solutions.

  • Free pre-approved ADIB VISA Cashback Card for the first year
  • First installment payment grace period up to 90 days
  • Finance amounts up to AED 3 Million for UAE nationals and AED 1 Million for expatriates.
  • Competitive profit rates.
  • Flexible repayment terms up to 48 months.
  • Free pre-approved ADIB VISA Cashback Card for the first year
  • First installment payment grace period up to 90 days
  • Two free installments postponements every year
  • Takaful cover protection with competitive rates​
  • Original and copy of valid passport (with valid residence visa for expatriates).
  • Original and copy of valid Emirates ID.
  • Fresh salary transfer letter / Salary certificate addressed to ADIB.
  • Three months bank statement (if salary not credited to ADIB).
DIB Personal Finance

11%

Reducing Rate

AED 3000

Min. Salary

6 - 48 Months

Available Terms

Yes

Apply Now

DIB Personal Finance

Top reasons to choose

Personal finance decisions are best made when they’re simple, stress-free, and focused on you.

  • High loan amounts
  • Convenience of flexible finance
  • With min. salary as low as AED 3000. T&C apply

Minimum Salary

AED 3000

Interest Rate

11% Reducing

Salary Transfer

Required

  • Minimum salary requirement of AED 5,000 only
  • Maximum tenure of 48 months
  • High finance approvals for your personal finance needs
  • Maximum finance set at AED 4 million for UAE Nationals and AED 2 million for Expatriates
  • Copy of Passport(with residence visa for expatriates)
  • Copy of Emirates ID
  • Salary and End of Service Benefit Transfer Letter/Certificate from the employer
  • Statement of Account for minimum 3 months in case of salary transfer to another bank (6 months for self employed professionals/ businessmen)
  • Copy of valid trade license (for self employed professionals/businessmen)
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DIB Personal Finance

Top reasons to choose

Personal finance decisions are best made when they’re simple, stress-free, and focused on you.

  • High loan amounts
  • Convenience of flexible finance
  • With min. salary as low as AED 3000. T&C apply
  • Minimum salary requirement of AED 5,000 only
  • Maximum tenure of 48 months
  • High finance approvals for your personal finance needs
  • Maximum finance set at AED 4 million for UAE Nationals and AED 2 million for Expatriates
  • Copy of Passport(with residence visa for expatriates)
  • Copy of Emirates ID
  • Salary and End of Service Benefit Transfer Letter/Certificate from the employer
  • Statement of Account for minimum 3 months in case of salary transfer to another bank (6 months for self employed professionals/ businessmen)
  • Copy of valid trade license (for self employed professionals/businessmen)
RAK Bank

10.86%

Reducing Rate

AED 5000

Min. Salary

6-48 Months

Available Terms

No

Apply Now

RAK Bank Cash Loan (Non-salary transfer)

Top reasons to choose

Get a high Cash Loan amount with no salary transfer required at competitive interest rates, with RAK Bank Cash Loan

  • Quick Approvals
  • Competitive Interest Rates
  • Easy does it ! Hassle-free loan takeovers from other banks
  • Simple and Easy documentation

Minimum Salary

AED 5000

Interest Rate

10.86% Reducing

Salary Transfer

Not Required

  • High Personal Loan amounts at low interest rates
  • Quick approvals
  • Competitive interest rates
  • Flexible repayment periods of up to 48 months for expatriates and UAE nationals (60 months for Armed Forces Staff)
  • Valid Emirates ID
  • Valid Passport and Visa
  • Bank Statement
  • Payslip or Salary Certificate
  • Additional documents as per need

If a customer borrows a loan of AED 20,000 and earns an income of AED 10,000. With a repayment period of 48 months, the EMI would be AED 470 at an effective interest rate of 13.99% per annum.

Total repayment that would have been paid at the completion of the loan would be AED22,540, The borrower would be paying AED 2,540 as interest.

Please use Gulf Finance’s EMI Calculator for further details.

Arrangement Fee: 1% of the finance amount

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RAK Bank Cash Loan (Non-salary transfer)

Top reasons to choose

Get a high Cash Loan amount with no salary transfer required at competitive interest rates, with RAK Bank Cash Loan

  • Quick Approvals
  • Competitive Interest Rates
  • Easy does it ! Hassle-free loan takeovers from other banks
  • Simple and Easy documentation
  • High Personal Loan amounts at low interest rates
  • Quick approvals
  • Competitive interest rates
  • Flexible repayment periods of up to 48 months for expatriates and UAE nationals (60 months for Armed Forces Staff)
  • Valid Emirates ID
  • Valid Passport and Visa
  • Bank Statement
  • Payslip or Salary Certificate
  • Additional documents as per need

If a customer borrows a loan of AED 20,000 and earns an income of AED 10,000. With a repayment period of 48 months, the EMI would be AED 470 at an effective interest rate of 13.99% per annum.

Total repayment that would have been paid at the completion of the loan would be AED22,540, The borrower would be paying AED 2,540 as interest.

Please use Gulf Finance’s EMI Calculator for further details.

Arrangement Fee: 1% of the finance amount

Citi Bank

8%

Reducing Rate

AED 8000

Min. Salary

6-48 Months

Available Terms

No

Apply Now

Citibank Salary Transfer Loan

Top reasons to choose

Plan it your way. Apply for a Salary Transfer loan and pay 0% processing fees

  • Approvals in 1 day
  • Instant loan funding on final approval
  • Low rates starting from 8%

Minimum Salary

AED 8000

Interest Rate

8% Reducing

Salary Transfer

Required

  • Loans of up to AED 250,000 (Salary transfer to Citibank required)
  • Loan amounts of up to 20 times of your salary
  • Competitive interest rates
  • Fast Approvals – in 1 day
  • Instant loan funding upon final approval
  • Tenors from 6 months up to 48 month
  • Salary transfer letter
  • Last three months bank statements (with salary transfer)
  • Minimum (fixed) monthly salary of only AED 8,000
  • Passport copy / Emirates ID Copy
  • 6 months on the job or confirmed employment

If a customer borrows a loan of AED 20,000 and earns an income of AED 10,000. With a repayment period of 48 months, the EMI would be AED 479 at an effective interest rate of 6.99% per annum.

Total repayment that would have been paid at the completion of the loan would be AED22,987. The borrower would be paying AED 2,987 as interest.

Please use Gulf Finance’s EMI Calculator for further details.

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Citibank Salary Transfer Loan

Top reasons to choose

Plan it your way. Apply for a Salary Transfer loan and pay 0% processing fees

  • Approvals in 1 day
  • Instant loan funding on final approval
  • Low rates starting from 8%
  • Loans of up to AED 250,000 (Salary transfer to Citibank required)
  • Loan amounts of up to 20 times of your salary
  • Competitive interest rates
  • Fast Approvals – in 1 day
  • Instant loan funding upon final approval
  • Tenors from 6 months up to 48 month
  • Salary transfer letter
  • Last three months bank statements (with salary transfer)
  • Minimum (fixed) monthly salary of only AED 8,000
  • Passport copy / Emirates ID Copy
  • 6 months on the job or confirmed employment

If a customer borrows a loan of AED 20,000 and earns an income of AED 10,000. With a repayment period of 48 months, the EMI would be AED 479 at an effective interest rate of 6.99% per annum.

Total repayment that would have been paid at the completion of the loan would be AED22,987. The borrower would be paying AED 2,987 as interest.

Please use Gulf Finance’s EMI Calculator for further details.