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.
Abu Dhabi Commercial Bank, widely referred to as ADCB, is one of the leaders with respect to banking in the UAE. ADCB personal loans and other financing options certainly make for a good choice if you are looking for financial assistance to easily fulfil your goals.
Numerous banks in the UAE have programs to help borrowers cope with personal loan repayments if they are in financial distress. These relief programs include fee waivers, debt relief, and deferred payments. Moreover, Abu Dhabi Commercial Bank had also announced COVID-19-related deferments to help individuals affected by the pandemic.
To apply for a personal loan deferment or any other, you would be required to inform the bank about the same. For this, you can drop an email at contactus@adcb.com. Here, you would be required to attach the supporting documents in the email and have “Deferment Request” as the subject line of the email. You will also be required to state a reason for the request, which will be subject to the bank’s approval.
You can also make a request for ADCB loan deferment by visiting a branch of the bank or connecting with its Contact Centre. For the latter option, you can dial 600 50 2030 (or 600 56 2626 for Islamic Banking). If you opt for these options, you can simply connect with the concerned bank executives and place a request for the loan deferment.
ADCB Loan EMI Deferment
ADCB loan EMI deferment is the same as loan deferment. When you request loan deferment, you are, in effect, applying for the deferment of your instalments for a specified duration.
Keep in mind that you may have to fill out a form for the Deferment of Loan Instalments form with the following details –
Loan account number
Due date of the EMI
The reason for the deferment request
Additional interest (if applicable)
Current/savings account number
Your name and signature
How Does the ADCB Personal Loan Deferment Work?
You can delay the payment of your EMI for the predetermined period when your ADCB loan deferment application is approved. For instance, if you receive approval for a payment deferment of 1 month on your personal loan, you can skip the payment for the month and resume making payments from the next month.
However, loan deferment does not mean that you are freed from making the payment for the given month. It simply means that you can delay the repayment of your loan for a stipulated period.
Keep in mind that you will have to contact the bank every time you want to extend the personal loan deferment period.
Features & Benefits of ADCB Personal Loan Deferment in UAE
Discussed below are the primary features and benefits of ADCB personal loan deferment –
Using the personal loan deferment feature for ADCB loans, you can be relieved from the stress of making regular payments in times of financial crises
The ADCB loan deferment feature gives ample time for you to realign your finances, since deferment periods are usually longer than grace periods.
With this loan deferment option, you can also avoid the possession of your collateral by the bank
Another significant advantage of this loan deferment option is that your credit score remains intact. Thus, you can continue to work on the resolution of your financial crisis without worrying about your credit scores.
It’s worth noting that while deferments are allowed for personal loans in regular course, no such option is available for mortgage loans. Deferments due to COVID-19, however, are impacted for all loans, i.e., personal loans, car loans, home loans, and others.
The number of times you can apply for the loan deferment as well as the maximum applicable tenure depends on various factors like your profile as a borrower, the reason for applying, and more.
For instance, the bank had announced that customers can avail of ADCB loan deferment for up to 6 months in case of COVID-related impact. On the other hand, you can exercise the option of personal loan deferments up to 2 times in a calendar year.
Fees & Charges for ADCB Loan Deferment
ADCB charges a fee of AED 100 for each deferred loan instalment in the normal course.
How Does ADCB Personal Loan Deferment Affect Your Credit Score?
Your credit score would be affected only when you skip or miss an instalment without prior approval from the bank. Since an approved loan deferment request wouldn't be reported as missed or skipped payments to Al Etihad Credit Bureau (AECB), it wouldn't negatively impact your credit score. Thus, you can be assured in the knowledge that your credit score wouldn’t be affected by ADCB loan deferment.
To Conclude
ADCB offers a loan deferment facility to its customers to ensure that they have better opportunities and more time to align their finances. Using this facility, you can easily defer the payment of some of your loan instalments by informing the bank first. Note that you won’t have to worry about your credit scores getting negatively impacted when the bank approves your loan deferment request.
Last Updated : 30 Jun 2026Should you Sell Old Gold Jewelry or get a Loan for Emergency Funds?Let’s compare all the features and benefits of the gold loan and personal loan, flexibility, more funds and easier repayment options, & choose wisely as per your financial condition.
Last Updated : 30 Jun 2026What Documents Are Required For A Personal Loan?Here you can check personal loan eligibility in UAE and other document requirements to qualify for a personal loan as an expats and UAE Nationals.
Last Updated : 30 Jun 2026Should you Sell Old Gold Jewelry or get a Loan for Emergency Funds?Let’s compare all the features and benefits of the gold loan and personal loan, flexibility, more funds and easier repayment options, & choose wisely as per your financial condition.
Last Updated : 30 Jun 2026What If You Don’t Repay Your Personal Loan In UAE?Here are some of the actions that can be taken against you in case you lax with the repayment of your personal loan in UAE
Last Updated : 30 Jun 2026Personal Loan in UAE AED 2500 Salary - Apply NowApply for a personal loan in UAE with 2500 salary. Easy approval, quick processing, and Best Options.
Last Updated : 30 Jun 2026What Documents Are Required For A Personal Loan?Here you can check personal loan eligibility in UAE and other document requirements to qualify for a personal loan as an expats and UAE Nationals.
Last Updated : 30 Jun 2026Personal Loan in UAE with 5000 AED Salary - Apply NowBest personal loan in the UAE with a 5000 AED salary? Compare top plans, and apply online instantly.
Last Updated : 30 Jun 2026Flat Interest vs Reducing Interest Rate: Know the Key DifferencesFlat Rate Vs Reducing Rate - Know the difference between Flat Rate and Reducing Interest in UAE with features & Benefits.