The competitive Emirates NBD personal loan interest rates make borrowing affordable and seamless. This loan has positioned itself as a popular choice, thanks to transparent pricing and eligibility criteria, a straightforward fee structure, and more.
Let’s find out more about the Emirates NBD personal loan processing fee, interest rates, and other aspects for an informed borrowing decision!
What is the Emirates NBD Personal Loan Interest Rate?
A key feature of this personal loan in UAE is its competitive interest rate. It keeps your instalments low, which makes it easy to borrow and fulfil your immediate needs.
Find below the Emirates NBD personal loan interest rate in UAE -
Interest Rate
Detail
Interest Rate (calculated on reducing basis)
Between 4.99% and 19.99% per annum (p.a.)
Annualised Percentage Rate (APR)*
Between 5.48% and 20.99% p.a.
*Inclusive of the interest, fees, and more
Emirates NBD Personal Loan Fees and Charges in UAE
Let’s now explore the Emirates NBD personal loan processing fee and other important charges -
Fee
Charges
Processing / Top Up Fee
1.05% of the amount
Fee range — AED 525 to AED 2,625
Late Payment Fee
AED 52.5
Early Settlement/Partial Settlement Charges
The lower of
1.05% of the amount
AED 10,500
Direct Debit Return Fee
Free
Loan Cancellation
AED 52.5
Installment Deferment Charges
AED 105
Liability / No Liability Letter
AED 52.5
Rescheduling Instalment
AED 262.5
Modification in Due Date
Free
Factors Affecting Emirates NBD Personal Loan Interest Rates in UAE
Here are the factors that affect Emirates NBD personal loan interest rates -
Your credit Score and history - A better score shows that you’re responsible with debt. This, in turn, brings lower rates.
Salary transfer - Usually, if you transfer your salary to the bank, you may get the loan at more favourable terms.
Loan specifics - A shorter tenure may lead to lower rates. A longer period, meanwhile, can even increase the overall repayment amount.
Existing relationship with bank - If you have an account or a loan with the bank, you may get lower interest rates.
Calculate Emirates NBD Personal Loan Interest Rates
Q1. What is the minimum Emirates NBD personal loan interest rate?
Emirates NBD personal loan interest rate starts from 4.99% p.a. Keep in mind that this is the starting rate. Actual rates depend on your credit score, salary, financial profile, and more.
Q2. What processing fee does Emirates NBD charge on personal loans?
The Emirates NBD personal loan processing fee is 1.05% of the loan amount. Note that the minimum and maximum fee amounts are AED 500 and AED 2,500, respectively.
Q3. Does Emirates NBD allow early settlement of a personal loan?
Yes, you can settle the loan early. However, Emirates NBD charges a fee for the same.
Q4. Are the interest rates on Emirates NBD personal loans fixed or variable?
Both choices are available. Fixed-rate loans keep a constant rate during the period. Variable-rate loans, meanwhile, are tied to EIBOR + margin and may change.
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