ADCB Personal Loan – Apply Online for AED 150,000 Fast Approval

Abu Dhabi Commercial Bank (ADCB) is widely recognized as one of the most reliable and innovative banks in the UAE. Its personal loan products remain highly sought after especially among residents looking for fast financial support without complicated paperwork. In 2025, ADCB continues to streamline the borrowing process, offering quick digital applications, competitive interest rates, and loan amounts of up to AED 150,000.

Whether you need funds for emergencies, education, travel, home upgrades, or debt consolidation, the ADCB Personal Loan provides a secure, flexible, and convenient solution for both UAE Nationals and expatriates.

What Is ADCB Personal Loan?

The ADCB Personal Loan is a fully unsecured loan designed to give you quick access to funds without requiring a guarantor or collateral. With high loan limits and simple documentation requirements, it is ideal for individuals who want a smooth, painless borrowing experience.

The bank evaluates your income, employment history, and credit score to determine your eligibility. Since the application is fully digital, customers can apply through the ADCB website or mobile banking app and receive quick decisions—often within the same day.

ADCB also supports both salary-transfer and non-salary-transfer applicants, offering flexible repayment plans and a top-up option for customers who may require additional funds later.

Benefits of ADCB Personal Loan

ADCB’s personal loan remains one of the most attractive options in the UAE due to its customer-focused features. Here are some major advantages:

1. Fast Online Approval

ADCB’s smart processing system allows many applicants to receive approval within minutes after submitting the online form and documents.

2. High Loan Amount — Up to AED 150,000

You can borrow up to AED 150,000 depending on your salary, credit score, and employer category—ideal for large financial needs.

3. Flexible Repayment Tenure

Choose a repayment plan that suits your lifestyle, with options ranging from 6 to 48 months.

4. Competitive Reducing-Rate Interest

ADCB applies a reducing balance method so you pay interest only on the outstanding balance—not on the full loan amount.

5. Fully Online Application

The entire process can be completed digitally through the ADCB website or app. No branch visits or physical papers required.

6. Salary Transfer Not Mandatory

While salary-transfer applicants receive better rates, ADCB also accepts requests from non-salary-transfer customers.

7. Same-Day Fund Disbursement

Once approved, ADCB typically transfers the loan amount to your bank account on the same day.

8. Easy Top-Up Facility

Existing customers may be eligible for a quick top-up loan if they need extra funds later on.

Eligibility Criteria (2025 Updated Requirements)

ADCB updates its lending criteria regularly to ensure responsible borrowing. Here are the key eligibility conditions for 2025:

1. Minimum Monthly Salary

Required salary typically ranges between:

• AED 5,000–8,000, depending on your employer and loan type.

2. Age Requirements

• Expatriates: 21–60 years
• UAE Nationals: 21–65 years

3. Employment Conditions

You must:

• Be employed with a regular monthly income
• Have at least 3–6 months of continuous employment
• Work for a company approved by ADCB (for best rates)

4. Valid UAE Residency

Expatriates must provide:

• Valid passport
• Active residence visa
• Emirates ID

UAE Nationals:

• Emirates ID only

5. Active UAE Bank Account

Your salary must be deposited into a UAE bank account (ADCB or any other bank).

6. Good AECB Credit Score

A strong credit score improves your approval chances and may earn you a lower interest rate.

7. Debt-Burden Ratio (DBR) Rule

Your total monthly loan repayments cannot exceed 50% of your monthly salary.

8. Salary Transfer (Optional)

Salary-transfer customers enjoy:

• Better interest rates
• Higher loan limits
• Faster processing

Required Documents

ADCB keeps documentation minimal for faster assessment. Make sure you have the following:

1. Emirates ID

Mandatory for identity verification.

2. Passport & Residence Visa (Expatriates Only)

A clear copy of:

• Passport
• Valid UAE residence visa

3. Salary Certificate

Issued by your employer and showing:

• Full name
• Job title
• Monthly salary
• Employer details
• Date of joining

4. Bank Statements

3–6 months of statements showing regular salary transfers.

5. Recent Payslips (Optional)

May be required depending on your employer and application type.

6. Documents for Non-Salary-Transfer Customers

May include:

• Liability statements
• Existing loan details
• Company ID or labour contract

7. Additional Supporting Documents

ADCB may request:

• Visa renewal receipts
• Address verification
• Extra identity proofs

Having all documents ready ensures faster approval.

How to Apply for ADCB Personal Loan (Step-by-Step Guide)

Applying for an ADCB loan is simple and entirely digital. Follow these steps to complete your application:

Step 1: Visit the ADCB Website or Mobile App

Go to the Personal Loans section and choose your preferred loan option.

Step 2: Use the Loan Calculator

Enter:

• Desired loan amount (up to AED 150,000)
• Repayment tenure

You’ll immediately see your estimated monthly installment.

Step 3: Fill Out the Eligibility Form

Provide your:

• Name
• Mobile number
• Monthly salary
• Employer
• Preferred loan amount

You’ll receive instant eligibility feedback.

Step 4: Upload Required Documents

Upload:

• Emirates ID
• Passport & Visa (for expatriates)
• Salary certificate
• Bank statements

Step 5: Complete Identity Verification

ADCB may request:

• Facial verification
• A short video KYC
• Additional verification documents

Step 6: Receive Approval

You will get an SMS or email once the bank has reviewed your application. Many applicants receive same-day approval.

Step 7: Loan Disbursement

After approval, the funds are transferred directly to your bank account—often within hours.

ADCB Personal Loan Interest Rates & Fees

Understanding loan charges is essential before applying. Below is the 2025 updated breakdown:

Reducing Interest Rate

ADCB generally offers:

• 5.25% – 15.0% reducing rate

Your rate depends on:

• Salary
• Employer category
• AECB score
• Salary transfer status

Flat Rate Conversion (Approx.)

Equivalent flat rate:

• 2.9% – 7.5%

Processing Fee

A one-time processing fee of:

• 1% of the loan amount

Early Settlement Fee

If you repay your loan early:

• 1% of outstanding balance, or
• As per UAE Central Bank guidelines

Loan Cancellation Fee

A small admin fee applies if you cancel after approval but before disbursement.

Late Payment Fee

Charged if you miss a payment.
Late payment may also affect your AECB credit score.

Insurance / Takaful Coverage

Optional coverage protects you in case of:

• Job loss
• Disability
• Death
  The cost is usually added to your monthly installment.

Frequently Asked Questions

1. What is the maximum ADCB loan amount?

You can receive up to AED 150,000, depending on your eligibility and credit score.

2. How fast is the approval process?

Many customers receive same-day approval, especially salary-transfer applicants.

3. Do I need to transfer my salary to ADCB?

No, salary transfer is optional—but it can help you secure better rates.

4. Can I apply online?

Yes. You can submit the entire application through the ADCB website or mobile app.

5. What repayment terms are available?

Tenures range from 6 to 48 months.