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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
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.

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  • 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.

Disclosure Policy:

  • APR or Annual Percentage Rate of personal loan may range from 2.79% to 34% in the UAE.
  • The minimum loan repayment tenor is 6 months and the maximum loan repayment tenure is 48 months.
  • Processing Fee: 1% of the loan amount with a minimum of AED 500 and up to a maximum of AED 2,500
  • Maximum loan amount: AED 1000000

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