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    Nominal interest rates

    No guarantors

    Minimum documentation

    Non Salary Transfer Loan

    It is not mandatory to transfer your salary to a lending bank to apply for a Personal Loan in UAE. Now you can apply for a Personal Loan in UAE without Salary Transfer also. Might be the rate of interest is slightly higher as compared to Salary Transfer Loan as it’s considered as an unsecured loan in the UAE market. You can get approval within 24 hours if applying for a Personal Loan without Salary Transfer.

    At Present numerous Banks and Financial Institutions are there to provide you Personal Loan without Salary Transfer. To name a few Citi Bank loans, ADCB Simply life Loan, Dunia Finance Loan, Finance House Loan, Fab, and lot more.

    All listed and non listed company employees can apply for a Personal Loan without a Salary Transfer.

    Features of non salary transfer loan

    All loans are not created equal, personal loan has become a great option for people to use.

    No Salary Transfer

    Salary transfer is not mandatory in non salary transfer loan is as it is considered as an unsecured loan.

    High Loan Amount

    Top UAE banks are offering salary transfer loans upto 20 times of salary.

    Minimum Documentation

    Documentation is quite easy and hassle-free. Find below the documents required to apply.

    Flexible Repayment Options

    Get maximum repayment tenure upto 48 Months in salary transfer loan.

    Non Salary Transfer Loan - Eligibility

    Any salaried, self-employed, or professional is eligible for a salary transfer loan.

    Monthly Income

    To apply for a Salary Transfer Loan in UAE, the minimum fixed monthly income should be AED 5000 or above.

    Good Credit History

    A minimum credit score of 650 has become the most important factor in applying for a loan or any financial product in UAE.

    Age Criteria

    Min. age of the applicant should be 21 Years & max age at loan maturity should be 60 years for expats & 65 years for Emiratis

    Documents Require for Non Salary Transfer Loan


    • Passport Copy
    • Visa Copy
    • Emirates ID
    • Bank statement
    • Income Proof
    • Credit Card Statements

    UAE Locals

    • Passport Copy
    • Emirates ID
    • Bank statement
    • Income Proof
    • Credit Card Statements

    Top Loan providers in UAE

    Compare 10+ personal loan options & check eligibility saving you time/ money

    Emirates Islamic Bank
    RAK Bank
    Dubai Islamic Bank
    ADCB Bank
    ADIB Salary Transfer Loan
    Citi Bank UAE

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    Our focus is to avail our visitors with complete and transparent information about loans and other financial products in the UAE market.

    Gulf Finance provides you an instant comparison on rates, eligibility, and other features before applying for any financial product and helps to save time and money.

    Just 3 step away

    • 1. Fill the online form. Apply Now
    • 2. Fill in the mandatory details, & click Submit
    • 3. Bank representative will get in touch with you in 60 minutes

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      Frequently Asked Questions

      Income proof is one of the mandatory document to apply for any loan in the UAE.

      Minimum salary to apply for a loan in UAE is AED 5000, however eligibility differs bank to bank.

      Yes, if your company is not listed still you can apply for a non-salary transfer loan in UAE, however you should meet all eligibility criteria.

      Yes, any salaried or self-employed expat working in UAE can apply for non-salary transfer loan.