A boat, a dream vacation, an education from a top university. Preparing for a wedding or renovating your home? What’s your big dream? 

​At ADIB, we constantly look for ways to help you in your life through our Personal Finance solutions – now with limits of up to AED 1 million for expats and AED 3 million for UAE nationals!​​

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  • Finance amounts up to AED 3 Million for UAE nationals and AED 1 Million for expatriates.
  • Competitive profit rates.
  • Flexible repayment terms up to 48 months.
  • Two yearly free instalment deferments.
  • First instalment payment grace period of up to 90 days.
  • Optional comprehensive personal finance Takaful coverage. Learn more…

Banking Services and Tariff Board​
Personal Finance Terms and Conditions


  • Salary transfer is required.
  • Employees of approved list of employers in ADIB.
  • Minimum salary is AED 10,000.
  • Minimum age at time of application should be 21 years.
  • Maximum age at time of completion of finance tenor should be:
    • For UAE Nationals 65 years
    • For expatriates 60 years


  • Original and copy of valid passport (with valid residence visa for expatriates).
  • Original and copy of valid Emirates ID.
  • Fresh salary transfer letter / Salary certificate addressed to ADIB.
  • Three months bank statement (if salary not credited to ADIB).