Financial Solutions

It can be expensive to initially set up here in the UAE and you may need sizeable loans to purchase a car or cover rent.

In general, personal bank loans are readily available and are most commonly paid off in monthly instalments. It is a common requirement that you have received six salary payments into your account before you are granted a loan. The loan amount and payment term may vary but as a general rule the loan will not exceed 20 times your salary and will be paid over a maximum of 60 months.

Responsible credit

Borrow sensibly and take care to avoid falling into debt. Missed payments on credit card bills and loans will often incur fines or restrictions to services. There are no bankruptcy laws in the UAE, so if you fall into difficulties you are fully liable for your debt and you could face a visa ban or jail.

Range of solutions

To us at ADCB, it’s more than a loan. It’s an investment in your ambition. ADCB’s Loans and Mortgage Services has a convenient product to suit all your long-term and short-term credit needs. Contact us to discuss your requirements and find out if a personal loan, smart loan or credit card is best tailored to you. ADCB provides education loans for school fees, car loans and a number of UAE and international mortgage products. We offer the following finance solutions to our customers:

Mortgage Services
We’re your partner when you decide to purchase a home. Get up to 80% of the mortgage value* if you are a UAE National and 75% in case of Expatriates and repay in up to 25 years. We offer both local and international mortgages.

Car Loan
Choose whatever make or model you like, and we’ll give you up to 80% of its value*. Enjoy competitive rates on new cars as well as pre-owned vehicles.

Personal Loan
When you’ve got your heart set on something special, we’re here to help you with easy access to cash at very attractive rates.

Smart Loan
When you need cash in a hurry, we can help – without the hassle of salary transfers or collateral guarantees – and you can repay in up to 48 months.

*Terms and conditions apply