Can I Get a Personal Loan in UAE with 4000 Salary?
Yes, it is possible to get a personal loan in UAE with AED 4,000 salary per month, but eligibility depends on the lender’s internal policies. The Central Bank of the UAE does not set a fixed minimum salary limit for personal loans. Earlier, many banks preferred applicants earning at least AED 5,000 per month. However, now, banks have greater flexibility and can approve loans based on factors such as your credit history and financial stability. With this, people with lower salaries now have a better chance of getting a personal loan. ...read more
Personal Loan in UAE with 4000* Salary - Easy Apply Online
Many banks in the UAE still set their own minimum salary criteria, typically ranging between AED 5,000 and AED 7,000 or more
Top Banks Offering a Personal Loan in UAE with AED 4000 Salary
As discussed earlier, there is no fixed income requirement for personal loans in UAE. However, most leading banks do have their own minimum salary criteria. Below, we list the top banks along with their key features and benefits where you can apply for a personal loan with AED 4,000 salary or more:
Top Banks
Minimum Income Requirement
Interest/Profit Rate
RAKBANK
AED 3,000
Starting from 4.39%
Dubai Islamic Bank (DIB)
AED 3,000
Starting from 5.99%
Abu Dhabi Commercial Bank (ADCB)
AED 5,000
Starting from 5.24% for nationals and 6.49% for expatriates
Emirates NBD
AED 5,000
Starting from 4.99%
First Abu Dhabi Bank (FAB)
AED 10,000
Starting from 8.99% (Emiratis) and 11.99% (expatriates)
RAKBANK Personal Loan for UAE Nationals
This personal loan offered by RAKBANK is outlined for UAE nationals. It comes with unparalleled benefits, such as the ability to avail a high loan amount of up to 20 times your salary. Additionally, it offers you the following benefits:
Low interest rates, starting from 4.39%
Easy loan transfers
Flexible repayment tenure of up to 48 months
Loan top-up facility (after a year of repayment)
Salary transfer is required
DIB Personal Finance
Dubai Islamic Bank (DIB) offers personal finance options for both nationals and expatriates in the UAE. If you are seeking a Shariah-compliant finance solution, consider this. It helps you meet various financial requirements, such as for medical treatment, a holiday trip, and an expensive purchase.
Get a high finance amount of up to 5 million for nationals and 3 million for expatriates
Competitive profit rate between 5.99% to 21.99% per annum
Quick loan application process
Minimum monthly salary requirement of AED 4,000
Minimal documentation
ADCB Personal Loan
With adcb personal loan, you can manage multiple expenses, as it works as a financial lifeline for UAE residents. The bank offers access to instant funds with competitive interest rates and simple documentation. It lets you enjoy significant benefits that are listed below:
Minimum monthly salary requirement of AED 5,000
Competitive interest rates- starting from 5.24% (UAE nationals) and 6.49% (expatriates)
If you earn a low salary, Emirates NBD is the bank for you if you want a personal loan. Also, this finance option for Emiratis comes with a variety of benefits, including flexible loan tenure, competitive interest rate, and more. Beyond these, you can enjoy several other perks:
High loan amount of AED 4 million
Flexible loan repayment term of 48 months
Minimum salary requirement of AED 5,000 per month
Available for non-listed companies’ employees
7-day loan return facility
First payment deferment of up to 120 days
Free insurance and processing fee
Eligibility Criteria for Personal Loans in UAE with 4000 Salary
Before applying for a personal loan in UAE with 4000 salary, it’s important to know whether you meet the eligibility requirements. Most banks keep it simple; they simply check a few factors while deciding on your application. Let’s understand some of the key ones -
Age- You must be at least 21 years old to apply for the loan, and the maximum eligible age is often 60 to 65 years, depending on the bank.
Minimum Income- As we said above, the CBUAE has removed the fixed minimum income requirement; you must still meet the individual eligibility criteria set by the bank to get your loan application approved.
Employment Status- Whether you are salaried or self-employed, you can find personal loans for both categories.
aecb credit score- It’s good to have a score of at least 650-700 to get a personal loan with favourable terms in the UAE.
Documents to Get a Personal Loan in UAE with 4000 Salary
Banks check various documents to approve your loan amount. To avoid any last-minute hassles, it’s essential to submit valid documents at the time of application. While the requirements may vary, some of the key documents are as follows -
Emirates ID
Passport copy
Valid residence visa
Salary slip (for salaried applicants)
Salary transfer certificate (if required)
Latest bank statement (typically, 3-6 months)
Trade licence (if you are self-employed)
How to Get a Personal Loan in UAE with 4000 Salary?
Getting a personal loan in UAE with 4000 salary is quite easy, as now there’s no income barrier, even for low-earning residents. However, while securing a personal loan for your various requirements, you must consider the following things to get the best option:
Understand the loan eligibility set by banks in the UAE
Compare the PL features, such as interest rates and repayment terms
Use a personal loan calculator to make a wise decision
At Paisabazaar.ae, you can find an array of personal loan options from the leading banks. This online platform allows you to compare the key features of the finance options that help you make an informed decision. Plus, you can contact the experts there to get unbiased assistance.
Summing Up
Personal loans are a versatile financial tool that supports you in various situations, such as consolidating debt, covering emergency medical expenses, or financing major life events like weddings. Now, it’s easy to secure a high loan amount even with a salary of AED 4000 in the UAE. You can consider all the banks mentioned above for a personal loan in UAE with 4000 salary or more. They provide you with the flexibility to use the funds without any restrictions and enjoy long-term financial advantages.
Q1. Can I get a personal loan with AED 4000 salary?
Yes, you can easily apply for a personal loan with AED 4000 salary in the UAE.
Q2. Is a personal loan available for non-listed companies?
Yes, there are several banks, like FAB, where you can get a non-listed company's personal loan. But the eligibility criteria may be quite strict or high.
Q3. What is the minimum loan tenure of a personal loan in UAE 4000 salary?
Typically, the minimum loan tenure is 12 months, and it can extend up to 48 months for a personal loan in the UAE with a salary of AED 4,000.
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