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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.
Availing of a personal loan in UAE is an excellent choice if you wish to quickly secure funds for any requirement at minimal hassle. Whether you need finances for an emergency or a celebration, you can get a personal loan from banks like the United Arab Bank (UAB).
With a history of more than 45 years of providing excellent services to customers, the UAB also strives to offer innovative and customer-centric finance solutions. Personal loans of this bank are among the prime examples of their customer-centric solutions. Moreover, the bank also provides specific personal loans for UAE nationals, keeping the requirement of UAE nationals in mind and offering various benefits at excellent rates.
Features & Benefits of United Arab Bank Personal Loans for UAE Nationals
Personal loans in UAE can help you if you are in any kind of financial crunch. However, those of the United Arab Banks are highly beneficial owing to several factors. So if you wonder why you should choose UAB personal loans, listed below are the main reasons for the same.
Loan up to 20 Times Your Salary - United Arab Bank offers UAE Nationals the special privilege of getting a high amount loan with a minimum salary requirement and high loan amounts. Users can get up to AED 2 million as a loan amount with this UAB personal loan in UAE.
Reasonable Interest Rates - Personal loans come with higher interest rates than most loan plans, which can cost you a lot more than you thought. However, this would not be the case with United Arab Bank personal loans as the bank offers loans with annual interest rates starting from just 5.63 per cent.
Free Credit Card - The UAB also offers a credit card for the first year of the loan without any annual fee. Thus, besides availing of a personal loan in UAE at minimal rates, you will also be able to spend better with this excellent UAB credit card. Furthermore, this loan plan also provides the option to access buyout facilities from other banks.
Quick Approval and Minimal Documentation - You won’t have to wait for days to get approval at United Arab bank as the approval process for UAB personal loans is fairly straightforward and quick. Similarly, the document verification process for these personal loans is uncomplicated and can be completed without requiring a dozen documents.
Comfortable Loan Repayment - You can choose a repayment tenure of up to 4 years for United Arab Bank personal loan plans. As a result, you will be able to fulfil your requirements first and repay the loan without constraining your finances.
Top-Up facility- UAB personal loans for UAE nationals come with an extra loan option called a top-up. So if you have a good repayment history with the bank, you can take advantage of top-up and obtain more credit on top of your existing loan.
Documents Required for United Arab Bank Personal loan for UAE Nationals
While the documentation process for a United Arab Bank personal loan in UAE is easy, you would still need to keep the following documents ready if you apply for this UAB personal loan:
Emirates ID
Salary Certificate
Last six months’ bank account statements
Eligibility Criteria for United Arab Bank Personal loan for UAE Nationals
The fulfilment of the following eligibility criteria is mandatory if one wishes to apply for this type of UAB personal loan.
Minimum Salary requirement
AED 5,000
Minimum age for applying
21 years
Maximum age for applying
65 years (for nationals), 60 years (for ex-pats)
How to Apply for United Arab Bank Personal loan for UAE Nationals?
Applying for and obtaining a personal loan offline may require some extra effort and time. On the other hand, purchasing it online via the bank website can be a faster and more convenient move especially if you need the money for an emergency.
You can apply for a UAB personal loan both online and offline at per your convenience. If you go for the former option, you will have to visit the official website of the United Arab Bank and go to its personal loans section. After finding your required plan here, you can tap on the ‘Apply Now button (located near the plan details). After providing a few details related to your nationality, income, employment, and more, you will be contacted by the bank for further procedures.
As an alternative, you can also visit a branch of the bank offline and obtain an application form for the plan of your selection. Fill it out, attach the required documents (if specified), and submit it to the bank to complete the application procedure.
You can also check other plans related to a personal loan in UAE at Paisabazaar UAE. After this article, you can go to the ‘Personal Loans in UAE’ section. You will be able to check out the best plans related to your choice there and apply for one quite comfortably.
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United Arab Bank Personal Loans for UAE Nationals- Compare & Apply for UAB personal loans for UAE nationals. Check Interest rate, Eligibility, Document Requirement, Income,& more.
Best Personal Loan Comparison PlatformI was confused about which bank to choose for my personal loan because every bank had different rates and eligibility conditions. Paisabazaar.ae made it easier to compare the options in one place. I could check the loan amount, rate and repayment details before deciding where to apply.
Concern about salary eligibilityMy main concern was whether my salary would qualify me for a personal loan. Instead of checking every bank website separately, I used Paisabazaar.ae to explore the available options. It saved me quite a bit of time and helped me understand which loans were worth checking.
First-time personal loan borrowerThis was my first time applying for a personal loan in UAE, so I had quite a few questions. I wasn’t sure about the documents and eligibility and the whole application process. I got to know about Paisabazaar.ae and got a call from them. I really appreciate their support team as they helped me understand the process before I submitted my application. That made the whole thing less stressful.
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.
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