Personal loans are a convenient option to finance your requirements. Banks across the UAE, including First Abu Dhabi Bank (FAB), offer loan options catering to emergency needs, paying off rent, weddings, education, and other expenses.
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FAB is one of the world's largest banks, and the UAE's largest, offering secure personal and business banking. With its strong network of investment and personal banking franchises, the FAB provides all the banking services under one roof. If you are looking for a loan, a FAB personal loan can be the right fit.
Best FAB Bank Personal Loans in UAE
First Abu Dhabi Bank
Plan NamePersonal Loan for Expats
Minimum Salary (AED)7000
Fixed Rate5.44% to 13.99%
First Abu Dhabi Bank
Plan NamePersonal Loan for UAE Nationals
Minimum Salary (AED)7000
Fixed Rate4.70% to 13.99%
First Abu Dhabi Bank
Plan NameNon-listed Company Personal Loan for UAE Nationals
Minimum Salary (AED)10000
Fixed Rate8.99%
FAB Personal Loan Benefits
If you're looking to get a loan, understanding its benefits is essential to securing affordable funding. The key benefits of the FAB bank loan are as follows:
For UAE Nationals
For UAE Expats
Non-listed Company Loan
New to Country/New to Employment
Get a loan of up to AED 5 million
Offer a grace period of 365 days
Interest rate starts at 4.70% fixed per year with a salary transfer/ FAB credit card and 6.20% fixed per year without a fixed per year
Get a loan of up to AED 2 million
Offers a grace period of 275 days
Interest rate starts at 5.44% fixed per year with a salary transfer/ FAB credit card and 7.20% fixed per year without a fixed per year
Starts at 8.99% p.a. fixed rate for UAE nationals and 11.99% p.a. for UAE expats
Offer a loan of up to AED 500,000
Have a loan tenure of 48 months
Loan amount of up to AED 600,000
Comes with a flexible repayment period
Easy and minimal documentation
Quick approvals
Comprehensive personal life insurance
FAB Personal Loan Eligibility Criteria
When applying for a FAB bank loan, it is essential to meet the eligibility criteria. The eligibility criteria for getting a loan from the FAB bank are as follows:
For UAE Nationals
For UAE Expats
Non-listed Company Loan
New to Country/New to Employment
Must be 21 years or older
Requires a monthly salary of AED 7,000
An individual must be a government, semi-government, or reputable private organisation
Have a minimum of 6 months in service, or the employer must confirm your employment
Must be 21 or older.
Need a monthly compensation of AED 7,000. Individuals must be from the government, semi-government, or respectable private organisations
Have at least 6 months of service, or the employer must validate your employment.
Have a minimum salary of AED 10,000
Have an acceptable credit score
Must be 21 years and older
Have a work experience of least 6 months with the current employer.
Requires a minimum salary of AED 10,000.
Document Checklist For A FAB Personal Loan
To apply for a loan, you must submit the necessary documents to the bank. The documents required as per the FAB bank loan requirements are as follows:
Emirates ID
UAE Residence Visa
Passport
Latest 3 Months’ Bank Statement
Letter/ Clearance Letter (applicable to buyout loans)
Duly Filled Application
Liability
Salary Certificate/ Salary Transfer Letter
FAB Personal Loan Interest Rates
Interest rates for a FAB personal loan vary based on nationality, loan type, and repayment terms. Key rates include:
UAE Nationals: 4.70% – 12.75% per annum (depending on salary transfer and loan type)
UAE Expats: 5.44% – 11.99% per annum
Tip: The lowest rates are usually offered to those with a salary transfer to FAB or existing FAB credit products.
FAB Bank Personal Loan Customer Care
If you are having an issue with the loan process and want more details about the personal loan, you can reach out to customer care. The customer care details are as follows:
Within the UAE: 600 52 5500
Outside the UAE: +971 2 681 1511
Tips to Improve Your FAB Loan Approval Chances
Follow these simple and practical tips to make your loan application stronger.
Maintain a good credit score: Timely repayment of debts increases approval chances.
Provide complete documentation: Submit all required forms, ID, salary proofs, and bank statements.
Salary transfer to FAB: Helps reduce interest rates and speeds up approval.
Stable employment: At least 6 months with current employer or more is preferred.
The FAB personal loan is a good borrowing option for individuals looking for quick approvals, flexible repayment terms, and competitive interest rates. With simple eligibility criteria and quick access to funds, you can manage your personal needs, such as travel, weddings, debt consolidation, or more, with ease.
Its transparent charges and customer-friendly nature make it one of the trusted choices in the UAE. But before taking any loan, ensure you compare the interest rate, repayment period, fees, and charges with other lenders to get affordable financing.
Frequently Asked Questions (FAQs)
Q1. Can I delay the first payment or take a grace period?
The FAB personnel loan comes with a grace period of 275 days for expats and 365 days for nationals. The delay in the first payment past the grace period is subject to the bank's polices, and you should confirm with the bank to avoid penalties.
Q2. What is the minimum salary for a FAB loan?
The minimum salary for an FAB loan is AED 7,000 per month.
Q3. How to get a loan from FAB bank?
To get a loan from the FAB Bank, you can apply online or call back directly. They can help you with the next steps.
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FAB Personal Loan - Compare & Apply for FAB personal loan in UAE. Check interest rate, offers, benefits, eligibility, minimum salary, and document requirements to get a personal loan in UAE.
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Minimum Salary 5000 AED
EMI Tenure up to 48 Months
Lowest Interest Rates
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