Compare the Best Personal Loan Companies

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

Suspendisse pulvinar, enim vitae bibendum mattis, odio neque malesuada turpis, in tincidunt metus dolor sed nibh. Vivamus sem ex, tempor vel mauris eget, tempus iaculis nunc.

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

    Request Quote 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
    • 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

      Request Quote 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
      • 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).

        Request Quote 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
        • 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)

          Apply Here if Salary less than 8k

          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

            Apply Here if Salary less than 8k

            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.

              Request Quote 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%
              • 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.