# ADIB Personal Loan

**Original Url:** https://www.paisabazaar.ae/personal-loans/adib-personal-loan/

If you're looking for a hassle-free way to secure funds, an ADIB personal loan might just be the right fit for you.

ADIB personal loan is an easy way to get financial help for your various personal requirements, including weddings, education, travel, home renovation, and more. The best thing about this finance option is that it offers you fair profit rates, easy repayments, and quick processing. Here, we have mentioned all the key details about this loan that you should know before applying.

## Key Features and Benefits of ADIB Personal Loan in UAE

Here’s a quick overview of Abu Dhabi Islamic Bank (ADIB) personal loan in the UAE -

| Key Features | Specifications |
| --- | --- |
| Personal Finance Products | Tadawul (Shares Finance)<br>Tadawul Direct (Shares Finance)<br>Sukuk Finance<br>Top up Murabaha |
| ADIB Personal Loan Profit Rate | 7.25% - 20% (fixed) |
| Loan Amount | Up to AED 3 million for UAE nationals<br>Up to AED 2 million for UAE residents |
| Flexible Repayment Tenure | Up to 48 months & 60 months for Ministry of Defence (MOD)/Armed Forces applicants |
| Minimum Monthly Salary Requirement | AED 5,000 |
| Quick Approval | Pre-approval within 30 minutes |
| Processing Fee | 1% of the finance amount (minimum AED 500 and maximum AED 2,500) |
| Personal Finance Takaful Coverage | Coverage for the outstanding balance up to AED 2.5 million |
| Ideal For | Those looking for a Shariah-compliant finance solution |

*   You can enjoy ADIB personal finance interest rate between 5.99% - 12% for debt settlement. 
*   The interest or profit rate may change over time and may vary as per your financial profile

## What are the ADIB Personal Loan Eligibility Criteria in the UAE?

Before applying for an ADIB personal loan, you must meet certain eligibility requirements. These criteria are designed to ensure responsible lending and compliance with Islamic finance principles.

| Eligibility | Criteria |
| --- | --- |
| Age | Minimum 21 years at application and maximum 65 years for UAE Nationals and 60 years for expatriates at loan maturity |
| Salary Requirement | You must earn at least AED 5,000 per month |
| Employment | Must be a salaried individual |

## Which Documents are Required to Apply for ADIB Personal Loan?

You need to submit some key documents while applying for an ADIB personal loan in the UAE. Submitting the correct documents makes the loan application faster and smoother. Some of the key documents include -

*   Emirates ID
*   Passport Copy 
*   UAE residence visa 
*   Proof of income, such as a salary transfer letter or a salary certificate addressed to ADIB

## What are the Charges for ADIB Personal Loan in UAE?

When applying for an ADIB personal loan, you should be aware of the applicable fees and charges. ADIB follows a transparent pricing structure. The key charges of this finance option are as follows -

| Fees | Amount |
| --- | --- |
| Processing Fee | 1% of the finance amount (minimum AED 500, maximum AED 2,500) + VAT<br>This fee is non-refundable if the financing is cancelled |
| Early Settlement Fee (Non-waived Profit) | Up to 1% of the outstanding Murabaha cost (capped at AED 10,000) + VAT |
| Al Etihad Credit Bureau Fee | AED 30 + VAT (one-time) |
| Partial Settlement | 1% of the outstanding Murabaha cost (capped at AED 10,000) + VAT |
| Late Payment Fee | AED 100 (For each late payment of an instalment) |

## How to Calculate ADIB Personal Loan EMI Using Online Calculator?

Calculating your monthly instalment (EMI) for an ADIB personal loan is easy with [Paisabazaar UAE personal loan calculator](https://www.paisabazaar.ae/personal-loans/personal-loan-calculator-uae/). It’s an online tool that helps you plan your finances better and choose the right loan terms.

It’s easy to use - simply enter the loan amount you wish to borrow, the applicable interest rate, and your preferred tenure. The calculator will instantly display your monthly EMI along with the total interest payable.

You can also adjust different values to compare options and find a repayment plan that fits your budget. This quick method saves time and ensures accurate financial planning before applying for ADIB personal finance.

## How to Apply for an ADIB Personal Loan in UAE?

Applying for an ADIB personal finance is straightforward and can be done through different channels -

*   Online Application – Submit your details and upload the required documents through the ADIB website or mobile app for quick processing.
*   In-Branch Application – Visit your nearest ADIB branch, complete the application form, and provide the required documents.

**Note:** On Paisabazaar.ae, you can find many other top personal loans in UAE. Click the button below to get started!

### Q1. What is an ADIB personal loan in the UAE?

Abu Dhabi Islamic Bank (ADIB) offers a Shariah-compliant personal finance solution. It helps you borrow money to fulfill your different needs. It comes with a competitive profit rate, flexible repayment terms, and easy documentation.

### Q2. Who is eligible for an ADIB personal loan?

Both UAE nationals and expats are eligible for ADIB personal finance in the UAE. However, they need to meet certain eligibility criteria that may vary among applicants -

*   Must be at least 21 years old 
*   Have a stable income 
*   A good credit score is required

### Q3. What is the minimum salary to get ADIB personal loan?

You typically need a minimum monthly salary of AED 5,000 to qualify for an ADIB personal loan. This requirement, however, may vary based on your employer and overall eligibility profile.

### Q4. What is the highest ADIB personal loan amount for expats?

Expats can apply for an ADIB personal loan of up to AED 2 million. UAE nationals may be eligible for higher amounts of up to AED 3 million.

### Q5. How fast can I get the approval for ADIB personal loan in UAE?

You can quickly get ADIB personal loan approval. Once your application gets approved, the funds can be disbursed within a few days.

### Q6. Can I settle the ADIB personal loan early?

Yes, you can settle your ADIB personal loan early. However, a settlement fee of up to 1% of the outstanding amount (Murabaha balance) may apply.

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