FAB Personal Loan Interest Rate

First Abu Dhabi Bank (FAB) has a wide range of personal loans in UAE. You can get them at competitive interest rates, starting from 4.7%.

With FAB loans, you get high amounts for both nationals and expats. This can help you deal with major life expenses without hassle. The loan also comes with flexible repayment terms and a grace period of up to 120 days.

With that said, the interest rates and benefits may vary for nationals and expats. To help you here, let’s understand the key role of FAB personal loan interest rates, how you can get affordable financing, and more.

First Abu Dhabi Bank (FAB) Personal Loan Interest Rates 2026

FAB offers a range of financing solutions, each with its own interest rates. Let’s take a look at the rates for each option in the table below -

FAB Personal Loan Options	Starting Interest Rate (p.a.)
Personal Loans in UAE (with salary transfer and FAB credit card)	For Nationals — 4.7% For Expatriates — 5.44%
Non-listed Company Personal Loan	For Nationals — 8.99% For Expatriates — 11.99%
New to Country Loans/New to Employment Loans	12.75%
Landlord Loans	N/A

The mentioned interest rates may change over time and on your profile.

Which Type of FAB Personal Loan Interest Rate is Best For You?

First Abu Dhabi Bank allows you to choose between fixed and variable interest rates on personal loans. Based on your preferences and financial goals, you can select the option that best suits you.

Fixed Interest Rate: This type of interest rate remains constant throughout the loan tenure (up to 48 months). It ensures stable repayments and makes long-term budgeting easier, protecting you from market-driven rate fluctuations.
Variable Interest Rate: This rate can fluctuate during the loan tenure. While it may start lower than a fixed rate, it can increase depending on market conditions, potentially raising your repayment burden.

This option is suitable for borrowers who expect market rates to remain stable or go down in the future.

How to Apply for a Personal Loan at Low Interest Rates with FAB in the UAE?

Discussed below are the key tips that help you secure low interest rates on a personal loan with the FAB -

Fix Your Credit Score: Your credit score shows your complete financial picture to the lender. A bad score increases the overall interest rate. Thus, make sure to fix it before taking out a loan by repaying your utility bills on time.
Choose the Right Tenure: The total cost of your loan largely depends on the tenure you select. A shorter period can help you secure lower interest rates, whereas a longer tenure may result in higher overall interest.

Important: Check your monthly repayments carefully, as shorter tenures can increase the financial burden with higher instalments.

Employer Reputation: If your employer is listed with First Abu Dhabi Bank, there is a higher chance of getting a personal loan in UAE at a lower interest rate.

With that said, the bank also offers loans for employees of non-listed companies.

Transfer Your Salary: First Abu Dhabi Bank also offers a salary transfer facility. By choosing this, you may improve your chances of securing a loan at a lower interest rate.

What Factors Influence FAB Personal Loan Interest Rates in UAE?

As discussed above, FAB personal loan interest rates can vary from one borrower to another. Several factors affect the rate that you get. Here are the key ones -

Credit Score or Profile: Your credit history and score play a crucial role in determining your interest rate. A strong credit profile can help you secure lower rates.
Monthly Income: Higher and stable income levels can improve your eligibility for better interest rates.
Nationality (Nationals vs Expats): UAE nationals may receive comparatively lower interest rates than expats, depending on bank policies and loan types.
Debt-to-Burden Ratio (DBR): Maintaining a DBR below 50% (as per Central Bank of the UAE) improves your chances of getting a personal loan, often at more favorable interest rates.
Loan Tenure: A shorter loan tenure can often help you secure a more competitive overall repayment cost.

How Can You Calculate the EMI of the FAB Personal Loan in the UAE?

Calculating monthly installments or EMI is easy with the FAB personal loan calculator in the UAE. This tool, available on the bank’s official site, gives you an estimate of your monthly repayments and total payable amount based on a few key inputs.

Steps to Find Out FAB Personal Loan EMI

Enter Your Monthly Salary: This helps assess your loan eligibility and affordability
Select Loan Amount: Enter the amount you wish to borrow
Choose Loan Tenure: You can select a repayment period typically ranging from 6 to 60 months
Add Interest Rate: FAB personal loan interest rates usually range from around 4.7% to 12.75% annually

Once you enter these details, the calculator will instantly show your monthly EMI (repayment amount) and the total amount payable over the loan tenure.

You can also use Paisabazaar.ae personal loan EMI calculator and enjoy the following benefits -

Plan your monthly budget effectively
Get clarity on loan affordability
Compare different loan amounts and tenures before applying

FAB Personal Loan Interest Rates- FAQs

Ans: First Abu Dhabi Bank personal loan interest rates start from around 4.70% per annum. Rates for expats typically start slightly higher at 5.44%. Note that the rates may vary based on profile, salary transfer, employer category, and more.

Ans: Yes, expats can get personal loans from FAB at competitive rates that start from 5.44% p.a. Just keep in mind that the actual rates may vary.

Ans: The minimum salary requirement for a personal loan from FAB is generally AED 7,000 per month. However, higher salaries may qualify you for higher loan amounts and flexible repayment terms.

Ans: Yes, First Abu Dhabi Bank (FAB) is a strong choice for those seeking cost-effective personal loans. As one of the leading banks in the UAE, it offers competitive interest rates, high loan amounts, and flexible repayment options.

Ans: First Abu Dhabi Bank (FAB) offers both fixed and variable interest rates on loans. Borrowers can choose based on their financial preferences, risk appetite, and expectations of future market interest rate fluctuations.

Ans: To get the best interest rates from FAB, maintain a strong credit score, choose salary transfer, work with an approved employer, keep a low DBR, and choose a shorter tenure to reduce overall interest costs.