Chanchal Singh is a content strategist at Paisabazaar.ae, focused on banking and finance-related content for the UAE market. With over 2 years in insurance & finance content, she specialises in making personal finance simpler for individuals and businesses. She breaks down complex financial concepts into clear, actionable insights, enabling you to evaluate options and make informed decisions through research-driven, user-centric content.
Reviewed ByRavindra DhakarProduct Manager
Ravindra Dhakar
Product Manager
With 4+ years of experience in banking and financial services, Ravindra Dhakar serves as a Product Manager at Paisabazaar.ae, specialising in banking and finance products. He is adept at developing customer-centric financial solutions, optimising product strategies, and driving innovation across lending, payments, and consumer banking to enhance financial accessibility and user experience.
Emirates NBD salary transfer personal loan is offered at competitive interest rates to meet various needs of the individual– be it home renovation, child’s education, or even a holiday of their choice. The bank also offers salary transfer personal loan for UAE Nationals to provide them financial assistance.
Interest Rate Charged on the Emirates NBD Salary Transfer Personal Loan
The loan can be availed on reducing interest rate starting from 5.49 percent or 2.90 percent flat interest rate per annum.
Features & Benefits of the Emirates NBD Salary Transfer Personal Loan
Given below are the key features & benefits of the Emirates NBD salary transfer personal loan:
High Loan Amount: The borrower can avail a loan amount of a maximum of 2,000,000 AED.
Bank Account: Free bank account with a requirement of no minimum balance.
Seven Day Loan Return Option: If the borrower is not satisfied after the disbursal of the personal loan, they have the facility of returning it for free with all the fees & charged waived off. Please note that the borrower must notify the bank/sales agent within seven calendar days.
Double Insurance Coverage: The ENBD personal loan is insured under the double insurance. It is basically a partner insurance company that covers the whole amount loan in the event of an untimely death. In such a case, an equivalent loan amount is given to the borrower’s next of kin.
*Note: Some exceptional features & benefits of the Emirates NBD Salary Transfer Personal Loan for UAE Nationals
Loan Amount for UAE nationals: The borrower can avail a loan amount of a maximum of 4 Million AED.
Non- Guarantor/Collateral Loan: There is no guarantor/collateral required for availing a personal loan.
Simplified Process: Easy process & minimal documentation required.
Eligibility & Documents Required For the Emirates NBD Salary Transfer Personal Loan
Eligibility
Minimum Income Required
5000 AED
Other Requirements
Minimum of six months length of service
Salary should be transferred to Emirates NBD
Applicant’s employer must be on the approved list of Emirates NBD
*Note: UAE Nationals do not require a minimum of six months length of service for availing Emirates NBD salary transfer personal loan.
Documents Required
Proof of Identity/Address
Original & copy of Emirates ID
Idbara page of ‘UAE Nationals’
Passport Copy with Resident Visa Page
Residency Proof or utility bill
Security Cheque (undated)
Statements of a credit card (if applicable)
Salaried Individual
Bank Statement of last 3 months
Latest Salary Transfer letter
Self-employed Individual
Bank Statement of the last 6 months
Power of Attorney
Trade License
Memorandum of Association
Personal Loan to Minor
Attested copies of co-borrowers/guarantor’s Passport & Visa, Emirates ID, Trade License and Income Details.
Frequently Asked Questions
Q.1. Does my company need to be listed on the list of Emirates NBD?
Ans: Yes, your company must be on the approved list of Emirates NBD to be eligible for a personal loan.
Q.2. Is salary transfer mandatory?
Ans: Yes, your salary must be transferred to ENBD bank account.
Q.3. What if I am not satisfied with the personal loan that I have availed?
Ans: If you feel that the loan provided is not as per your expectations then you have the facility to return it for free within 7 days.
Q.4. What is the maximum tenor available for ENBD personal loan?
Ans: The maximum loan tenor is 48 months.
Q.5. What are the different channels through which I could apply for ENBD personal loan?
91 genuine reviews and ratings across our services.
★★★★★
4.6 / 591 reviews
Compare and apply for Emirates NBD Personal Loan for Salary Transfer. Check interest rates, Minimum salary requirements & other benefits.
Much better than bank sitesCompared to individual bank websites, this one is much more user-friendly. I liked how I could browse and explore all the UAE personal loans and their rates and even approx instalments — everything out there on my screen!
One and only one placeAfter searching practically all the market for insurance, I can confidently say paisabazaar.ae is the best and the most unique. I am very in awe of how literally all the best plans are on their website. What I liked even more is that these insurance policies are at very low prices. Truly I have found only one place with this combo of plans and low costs.
Good for my choiceI thought my salary won’t bring me any loans. But with Paisabazaar.ae I easily got a personal loan for 5000 salary. A few clicks is all it took.
No pressure, just optionsWhat I absolutely liked about the platform was how I could compare personal loans without being pushed to make an immediate decision. It does feel good knowing that I am the control of the decision, of course with big help from the team.
Support that actually helpsAs a newbie in finance, I had many doubts. The support team was truly helpful and responded in detail with patience. It was a big difference for me as for the first time I could apply for personal loans with zero doubts.
Saved me a lot of timeWith Paisabazaar.ae, I found everything in one place without getting confused between so many sites.
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Chanchal Singh
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