How Much Personal Loan Can I Get in UAE?

How is the Maximum Personal Loan UAE Calculated?

Banks set the maximum loan amount UAE as per the guidelines of the Central Bank of the UAE. 
You can get a personal loan in UAE of up to 20 times your salary or total income. However, keep in mind that this is the maximum limit - banks often set the limit below it. 
Another thing to keep in mind is that your existing debts can also impact the amount. Your total monthly instalments (loans, credit cards, and more) cannot be more than 50% of your monthly income. 

All in all, banks implement their own internal procedures, risk assessment, employer categorisation, and salary-transfer restrictions.

Updated Rules on Minimum Salary for Personal Loans in UAE

Having answered your query of ‘how much loan can I get in UAE’, let’s take a look at the latest eligibility update. 

In November 2025, the UAE Central Bank lifted the long-standing minimum salary threshold for personal loans (formerly set at AED 5,000). This is an important upgrade because many banks used that threshold as their primary qualifying criterion. 

With the restriction repealed, banks can now establish their own minimum pay standards based on internal risk evaluations, employer classifications, and salary-transfer agreements.

However, despite the removal of the wage floor, regulatory measures related to the maximum personal loan amount UAE (20× income), the 48-month tenure restriction, and the 50% debt-burden ratio (DBR) remain in place.

How to Find the Maximum Personal Loan Amount UAE?

While the exact amount that you can get with a loan varies as per the bank, some factors can help you make an informed guess. Here are the factors that affect the maximum loan amount UAE you can get - 

• Check bank-specific limits: Some lending institutions offer loans only up to AED 150,000. Others may offer up to AED 1 million or more. Check the details of the bank you’re applying with.
• Find your credit Score: Your score can give you a hint of the range of the amount. For instance, if you’ve a poor score, you may hardly get a loan of 10x your salary. However, if you’ve a good score - 750 or more - you can get a loan of up to the maximum limit.
• Use your debt-to-income ratio: As mentioned earlier, your total debt obligations cannot go beyond 50% of your salary. So if you don’t have any existing debt, your maximum monthly instalment would be half of your salary.

For the maximum amount, you can multiply this by the repayment period. Just keep in mind that the actual maximum cap will depend on your salary and other aspects.

Factors to Review Before Applying for a Personal Loan

Before you apply, it’s important to know all the key aspects related to the maximum loan amount UAE and more. Here are some points to remember - 
Installment-to-income ratio: Your repayments should not be more than 50% of your income. Debt amounts beyond that limit are not allowed. Ideally, to manage your debts comfortably, try to keep the ratio below 30%. 

• Affordability instead of maximum: As we know now, the maximum personal loan amount UAE is 20x your salary. However, it does not mean that you have to borrow as much as this. If you don’t need such a high amount, go for a lower amount. This can keep the costs low. 
• Real cost of borrowing: The headline rate is important, but add to it processing charges, insurance, and early repayment fees. The KFS can be of use here.
• Credit history: Make sure you have no defaults and have a good repayment history on any current facilities. These impact approval and rates.
• Job/employer stability and routing of salary: When you change employers or your salary account changes, check how it impacts your loan. Products based on salary transfers usually provide more favourable conditions.

Frequently Asked Questions