Emirates NBD personal cash loan gives you quick access to cash for personal reasons, an almost fully online application process, and easy payment options. People use such loans primarily to cover large expenses - home improvements, travel, education, or emergencies.
The loan is aimed at speedy disbursement with comfortable management. It even offers pre-qualification options to assess affordability before commitment, making it a good product for both national and expatriate UAE citizens.
Top Features and Benefits of Emirates NBD Personal Cash Loan
This loan comes with multiple features and benefits, including quick pre-qualification, fast approval, and flexible repayment terms. Some of the most prominent ones include -
Quick pre-qualification and super-fast approval — you get funds without much waiting
High loan amount of up to AED 800,000
Flexible repayment terms
Competitive interest rates and fully transparent fees so that you can manage costs without any hidden surprises
You can apply with or without a salary transfer — it fits both people employed on a salary and those without
Get extra funding through top-up loans
Easy online form filling and hassle-free uploading of documents
Loans are available for both UAE nationals and expatriates
Important: Emirates NBD personal cash loan may not be available to new applicants. However, you can find out more about the personal loan in UAE from the bank here.
Eligibility Criteria for Emirates NBD Personal Loan Cash Loan
To apply, you must meet certain residency, age, income, and employment requirements. UAE nationals and residents with a good credit history are eligible. The criteria are designed to ensure responsible lending while keeping the process straightforward and accessible.
Eligibility criteria
Details
Residency
UAE national or resident
Age at loan start
Typically above 21 years
Income requirement
AED 6,000
AED 10,000 if you don’t choose salary transfer
Employment status
Employed with length of service (often at least 6 months); self-employed considered with proofs
Banking relationship
May require a minimum banking relationship or tenure
Credit history
Good credit standing needed
Documents Required for Emirates NBD Personal Cash Loan
Applicants need some basic documents to make the process smooth and quick. Self-employed borrowers, meanwhile, also need documents like their business trade licence.
Here are the documents usually needed for personal finance in the UAE -
Emirates ID or passport (with UAE visa if you are an expat)
A recent salary letter from your employer or payslips for the last 3–6 months
A bill or rental contract showing your UAE address
Bank statements from the previous 3–6 months
For self-employed — business trade licence
Note that all the documents must be valid.
How to Apply for an Emirates NBD Cash Loan in the UAE?
As mentioned earlier, the cash loan option may not be available for new users. However, you can easily apply for the Emirates NBD personal loan in UAE. Find below the steps for the same
Check eligibility online or at a branch
Head to the official website of Emirates NBD
Provide the necessary details and wait for approval
If approved, you will get the loan in your designated account
Note: If you face any issues during the Emirates cash loan application process, immediately get in touch with the customer care team of the bank.
Disclaimer: The Emirates NBD Personal Cash Loan has been discontinued at the moment. For any further queries, get in touch with the bank authorities.
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Reviews & Ratings
★★★★★4.8 / 5
(based on 23 reviews)
Mohammed Abbas Ahmed SaghayerDubai, October 7, 2025
★★★★★
Good number of optionsSo many amazing personal loans from possibly all the top banks in one place, really liked that! All of this supported by helpful customer team, particularly Mr. Arbaz. His help was very useful as I was not ready to see so many options.
Mohammed aliDubai, October 6, 2025
★★★★★
Easiest application Came to Paisabazaar.ae on my colleague’s recommendation but didn’t expect application to be THIS easy! Barely any calls, just some clicks I had to make and choose. The documentation was very clear, so I didn’t have to call or text multiple times or rush at the last minute. All in all, absolutely superb with how easy the process is.
AngelineAbu Dhabi, October 5, 2025
★★★★★
Very low interest ratesI have always found interest rates very high here on loans in the UAE. Thanks to Paisabazaar.ae, this changed for good. I was totally blown away with how many amazing loans with such low rates were there. Of course, solid website and customer service but the low rates were very, very helpful!
Hussain MureedDubai, October 3, 2025
★★★★★
Highly helpful teamLoved how Paisabazaar UAE is so helpful and reliable. When I went to the website for personal loan, their experts were very understanding. In particular, I appreciate Amina who took time to understand my budget and needs, and get a loan with literally 0 hassle. Superb site, recommend 10/10.
MahmoudDubai, October 1, 2025
★★★★★
Pretty quick serviceAll my life, getting a personal loan has been a time-taking process. But with Paisabazaar.ae, I was done with the procedure within a day! The team was helpful and helped me choose and apply in no time!
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