Chanchal Singh is a content strategist at Paisabazaar.ae, focused on banking and finance-related content for the UAE market. With over 2 years in insurance & finance content, she specialises in making personal finance simpler for individuals and businesses. She breaks down complex financial concepts into clear, actionable insights, enabling you to evaluate options and make informed decisions through research-driven, user-centric content.
Reviewed ByRavindra DhakarProduct Manager
Ravindra Dhakar
Product Manager
With 4+ years of experience in banking and financial services, Ravindra Dhakar serves as a Product Manager at Paisabazaar.ae, specialising in banking and finance products. He is adept at developing customer-centric financial solutions, optimising product strategies, and driving innovation across lending, payments, and consumer banking to enhance financial accessibility and user experience.
The Amiri Decree number 9 lead to the creation of the Abu Dhabi Islamic Bank (ADIB) in 1997. ADIB personal loans like all of the bank’s financial products are Shariah-compliant and forbidden from charging Riba or interest. There are two types of Abu Dhabi Islamic Bank personal loans offered, the ADIB personal loan for expats and ADIB personal finance for UAE nationals.
ADIB Bank personal loans for UAE nationals come with much more relaxed eligibility criteria and a larger loan amount of up to AED 3 million. The ADIB personal Loan product also includes incredible benefits such as free credit cards and life insurance.
ADIB Personal Loan Profit Rates
There is no such thing as an ADIB personal loan interest rate as the ADIB personal finance options are fully Shariah-compliant in nature. Instead, UAE nationals are charged a profit rate which reduces as the borrowed amount is paid off.
Profit rates for the Emirati ADIB personal loan lie between 6.75% and 20% yearly.
ADIB Personal Loan Features & Benefits
Feature
Availability
Early Settlement Fee
Yes, 1% of the settlement amount
Flat Interest Rate
N/A
Reducing Interest Rate
6.75% - 20%
Free Credit Card (No Annual Fee For The First Year)
Yes
Free Personalized Cheque Book
Yes
Insurance Coverage
Yes
Phone Banking
Yes
Salary Transfer
Yes
Some of the best ADIB personal loan features and benefits for UAE nationals are as follows:
Loan Amount
While the ADIB personal loan for expats offers a maximum loan amount of AED 1 million, the ADIB personal finance product for UAE nationals offers a maximum loan amount of AED 3 million.
Islamic Banking
No interest, charitable donations, and transparent charges make the ADIB personal loan for UAE nationals completely Shariah-compliant and a leader of Islamic Banking financial products in the UAE.
No Extra Fees
The Abu Dhabi Islamic Bank personal loan asks for no processing fee and charges no instalment deferment fee for two postponements per year either.
Quick Processing
An intuitive online ADIB personal loan form and around the clock customer support make the application process an extremely quick one.
Deferments
UAE nationals can postpone their ADIB personal finance payment up to two times every year at no extra charge.
Additional Benefits
Emiratis receive the following benefits with their Abu Dhabi Islamic Bank personal loan:
An ADIB com Signature card that is offered for free in the first year.
An Islamic Banking life insurance policy known as Takaful
ADIB Personal Loan Eligibility & Documents
Eligibility Criteria
The ADIB personal loan eligibility for UAE nationals is quite relaxed and is as follows:
Age
UAE nationals enjoy a lenient ADIB personal loan requirement for age, ranging from 21 years to 65 years.
Income
The ADIB personal loan minimum salary requirement for UAE nationals is a monthly salary of AED 8,000.
Work Experience
Emiratis are required to display a confirmed job or only 3 months of work experience to avail of ADIB personal finance services.
Documents Required
ADIB personal loan requirements ask for the following documents from UAE nationals:
Q.1. How do I apply for an Emirati ADIB personal loan?
Ans: UAE nationals may apply for the Abu Dhabi Islamic Bank personal loan via the phone, at ADIB branches or through the online application form.
Q.2. What are ADIB personal loan deferments?
Ans: A loan deferment is the postponement of a monthly instalment amount. UAE nationals can avail of two loan deferments on their ADIB personal loan every year for free.
Q.3. What is the late fee for an ADIB personal loan?
Ans: The ADIB personal loan for UAE nationals charges a late penalty of AED 100, which is donated to charity.
Q.4. What are the benefits offered with the free credit card the ADIB personal loan offers?
Ans: The ADIB personal loan offers a first-year free ADIB Booking.com Signature card to UAE nationals. This card offers discounts on hotel stays, cashback on fuel expenses and flights, and various other advantages such as complimentary airport lounge access, valet parking and more.
Q.5. What is the grace period associated with ADIB personal finance?
Ans: ADIB personal finance offers 90 days of a grace period. Which means that UAE nationals may enjoy their Abu Dhabi Islamic Bank personal loan for up to 3 months before making their first instalment payment.
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Check & compare ADIB personal loan for UAE nationals interest rate, benefits, eligibility criteria, minimum salary, maximum loan amount & documents required.
Much better than bank sitesCompared to individual bank websites, this one is much more user-friendly. I liked how I could browse and explore all the UAE personal loans and their rates and even approx instalments — everything out there on my screen!
One and only one placeAfter searching practically all the market for insurance, I can confidently say paisabazaar.ae is the best and the most unique. I am very in awe of how literally all the best plans are on their website. What I liked even more is that these insurance policies are at very low prices. Truly I have found only one place with this combo of plans and low costs.
Good for my choiceI thought my salary won’t bring me any loans. But with Paisabazaar.ae I easily got a personal loan for 5000 salary. A few clicks is all it took.
No pressure, just optionsWhat I absolutely liked about the platform was how I could compare personal loans without being pushed to make an immediate decision. It does feel good knowing that I am the control of the decision, of course with big help from the team.
Support that actually helpsAs a newbie in finance, I had many doubts. The support team was truly helpful and responded in detail with patience. It was a big difference for me as for the first time I could apply for personal loans with zero doubts.
Saved me a lot of timeWith Paisabazaar.ae, I found everything in one place without getting confused between so many sites.
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Chanchal Singh
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