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Find the Best Business in UAE without Investment


Is there anyone who at some point or the other not imagined of starting one’s own business but was held back due to a lack of capital? Well, business in UAE without investment is no more imagination but a dream come true. And, this has been made possible by the tax-free UAE market. There is no industry that the country is bereft of. A few of the available business opportunities which don’t demand any capital money from you. have been discussed here.

These businesses can be started in the UAE with minimal paperwork and little to no investment! Otherwise, you will need to get a UAE loan if you don’t have the money to fund your business. Even though you can get a personal loan in the UAE with a salary as little as $25,000, you may want to stay out of debt.

Types of Businesses you can start even without Investment

1. Pet Sitting

  • Investment: Ability to take care of animals and travel if required.
  • Return: 80 AED/half hour.

With no dearth of pets in UAE residences, you can strike gold with the pet sitting business. The demand for professional sitters is increasing due to the rising need of pet owners to stay out for hours or days as expatriate workers. Your affinity for animals and travelling is the only investment you need to make. The rates for a 30-minute sitting session that includes caring, walking, and feeding the pet is around 80 AED, which assures easy money.

2. Coaching Centre

  • Investment: Subject Matter Mastery.
  • Return: 180 to 250 AED /hour

UAE’s favorable location at the midway of the sprawling Western and Eastern markets makes it a melting pot of business men and their families. The children need tutors to survive in this ever competitive world. From an instrument to any academic subject, anything can be tutored by you and the start requires just your own potential. To begin with, you could open one tutorial class in your own home or even take home tutoring lessons.

3. Wellness Services

  • Investment: Degree or training expertise as dietician, naturopathy, reiki, yoga etc.
  • Return: 150 to 250 AED /hour

What costly setup does it take to provide yoga training amidst the scenic beauty of the wonderful beaches? Or, you may utilize your degree in nutrition to train individuals as personal dieticians to be hired from your company. The busy corporate lifestyle of workers in UAE has heightened the need for buying wellness facilities that you might take advantage of.

4. Consultancy

  • Investment: Mastery in any field like law, finance, education, HR, Social Media etc.
  • Return: 200 to 300 AED /hour

Consultancy is one such business in UAE without investment, which is bound to earn you a fortune instead of having to spend it. If you are brimming with industry-specific ideas or takeaways from your own job experience then give advise to other businesses that need it and carve out your own niche in the market.

5. E-Commerce

  • Investment: Product Knowledge and ability to set up e commerce shop.
  • Return: Unlimited.

Warehouse or office space expenses can totally be ignored to start an e-commerce shop at the desktop PC in your home. The cost of the permit offered by UAE for such start-up platforms is highly reasonable and can be availed with ease. Besides, the e-commerce business realm still remains unexploited in this country, thereby offering you fair chances to flourish in immediate future.

6. Cleaning Service

  • Investment:  Honest, Consistent, Punctual & Discrete
  • Return: 40 to 100 AED/ hour.

The increase in cash-rich lavish homeowners in UAE have given rise to the need to hire cleaning services. Cleaning supplies and adherence to timely delivery of tasks cost a bare minimum to start with. And gradually you may increase the count of overheads using your earnings to emerge as one of the fastest cleaning service brands in the locale or the country.

Business in UAE without investment or just by bearing the minimum equipment and overhead expense at the initial level is possible due to the provision of Free Zone Areas in the country. Choose which business suits you the best or keep exploring till you find you niche. But start now!!

Know the Qualifications for Bank Jobs in Dubai

Qualifications for Bank Jobs in Dubai

Landing a bank job in Dubai has become a hard nut to crack with the temporary and permanent residents of the UAE being preferred over foreign individuals. It’s not easy to get a bank in Dubai or the other larger banks in the UAE.

Never mind, you have a fine chance to make it with just the right qualification for bank jobs in Dubai. Here, we have unfurled the eligibility criteria for you to hit the nail on the head!

Basic Qualification for Bank Jobs in Dubai.

1. You must possess a suitable Degree

    • Bachelor’s Degree in Finance, Accountancy, Commerce, Banking or any other relevant field.
    • If you are also holding a Master’s Degree you will have an added edge.
    • Candidates with a degree from USA, Canada, Australia and the UK are preferred over others.

      2. Relevant Work Experience

    • Having a great Work-Experience certificate, from a reputed organization will give you a big boost in the race.
    • Make sure the work-ex is in a related field especially customer relations.
    • Ensure that you have a minimum of 1-year of previous work experience.

      3. Full Knowledge of the Sharia Law

    • The Sharia Law is the supreme law of the UAE and it is thus mandatory for everyone to develop an adequate knowledge about it.
    • The Sharia Law is active in most states of the country including Dubai and also governs other laws including finance.

      4. Full grasp of the regulations and procedures affecting banking and financial services sector

    • Since you want to be a part of the banking sector, it goes without saying that you should know how the banking machine runs and be able to fit in it like a perfect cog.

5. Knowledge of Computers

    • With the advent of mobile banking, Internet banking computers and internet have become an essential part of the banking industry.
    • A suitable candidate must possess al the essential IT skills to qualify for any bank job.

Essential Skill Set that the Ideal Candidate must possess

Apart from the essential qualifications, it is also important to have the persona to suit the banking sector. In fact, the skill set is also very important and might as well be considered as an essential Qualification for Bank Jobs in Dubai.

  1. You should be a master of numbers, accounting, problem-solving etc.
  2. Next, the ability to work long hours under stress and meet deadlines is very important.
  3. You must be quick on your feet and able to make sound decisions instantaneously.
  4. Able to interpret financial information simply.
  5. Being organized, punctual, and dedicated will help you make the cut. Also, focus on improving your interpersonal skills.

Secret Tip

Specialize in the Arabic Language

    • Your Arabic language skills need to be as sharp as your proficiency while conversing in English.
    • Knowing the local language is a unique advantage especially in Dubai where it is highly valued and well rewarded,
    • A firm grip of both these languages will help you cross the hurdles to a successful bank job designation in Dubai.

Worried you might not make the cut!!

Well, if after reading all the qualifications for obtaining a Bank Job in Dubai you fall short.

There just might be another way to enter the banking sector if that is your one true dream. You can start working for the bank at the clerical level. While in the job you can continue to work at your skill set and attain the executive or managerial level jobs.

Explore the jobs at one of Dubai’s top banks and know how varieties of jobs available, upcoming career fairs, openings etc.

Dubai First Credit Card- Features, Activation | 2022


Dubai First Cashback Credit Card offers unlimited cashback with instant earning and redemption.


Along with unlimited instant cashback, this card helps you enjoy rewards such as 5% cashback on online purchases and at supermarkets, 1% cashback on all other purchases and many other benefits, making your savings higher!

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Joining Offer:

No Annual Fee


Minimum salary required 5-30K AED

Documents Required

  • Emirates ID
  • Passport and Resident Visa
  • Salary Certificate
  • Trade License

Reward Features:

Through the Dubai First Mobile App, you can get

  • 5% cashback on online purchases including travel, utility bills, school fees, fashion items, electronics, and anything else you buy online
  • 5% cashback at supermarkets
  • 1% cashback on everything else
  • Unlimited cap earning
  • No minimum spending
  • Up to 10% additional cashback on 1,500+ ecommerce sites with Shopsmart


Detailed Features:

dubai first credit card features

    1. Airport Lounge Complimentary Access

It offers unlimited complimentary access to over 25+ airport lounges across Middle East and the world.

You can get access to various facilities like email, internet, phones, refreshments, snacks, conference space and fax machines.

  1. Lifestyle Benefits

Avail a range of benefits you can get on online shopping of trendy lifestyle items such as clothing, electronic etc.

  1. Shop Smart

Get additional cashback up to 10% over 1,500+ ecommerce sites or any purchase you make on www.shopsmart.ae.

  1. Discount on Careem Rides

Get up to 20% discount on 3 Careem Rides every month.

  1. 1+1 on leisure, entertainment & more

Buy 1 Get 1 offers on spa treatments, travel fine dining and many other places in the Middle East and Africa with the Mastercard Buy 1 Get 1 App.

  1. Discount on Cleartrip

Visit the Cleartrip app and book any round trip, international airfare or hotel using this Cashback Card and avail up to 30% discount on yout travel booking

  1. Discount on Hotels.com

With thousands of properties over 200+ countries, book a stay for your next vacation and avail up to 10% discount off the price for your booking.

  1. Discounts & Privileges at Luxury Serviced Apartments

Get special privileges and discounts of up to 15% at luxury serviced apartments including:

  • 2,500+ properties across London, New York, Los Angeles, Paris and Rome
  • Grosvenor House Dubai
  • 25+ Oakwood properties across Asia Pacific- China, Japan, Thailand & India
  1. Discount on Shipments

Shop at over 100,000 US retailers including Apple, Amazon and Ralph Lauren  and get affordable international shipping with MyUs App.

How to Activate Dubai First Credit Card?

dubai first card activation

  1. Activate the card through the Mobile App

Once you open the sealed envelope in which you receive the card,

  • Scan the QR code
  • Download the Dubai First app
  • Follow the onscreen directions
  • Set up a PIN
  • Activate your card


  1. Call on the number at the back

Call on their 24/7 service center on 04-5068888 for assistance to set up your PIN and activate the card

  1. Activate via SMS

Send an SMS to 4743 CACT {space} last 4 digits of the card number {space} 4 digit PIN.

Frequently Asked Questions

Q. Can people new to UAE get a credit card in UAE?

Yes, if the person has a verifiable source of income, he/she is eligible to get a credit card in the UAE.

Q. What is the maximum cash withdrawal limit of credit cards in UAE?

It depends on the card, even though some banks offer 100% cash withdrawal.

Q. Are non-residents of UAE eligible for credit cards in UAE?

Only the residents of UAE with a valid Emirates ID are eligible for a credit card in UAE.

Q. Are their charges on cash withdrawal from credit card?

 Yes, some amount is deducted on cash withdrawal.

Apply now on the Dubai First Cashback Credit Card website or their Mobile App.

Earn While You Shop: Top 5 Cashback Credit Cards in UAE

Are you looking for Cashback Credit Cards in UAE? Well, you have come to the right place.

Spending more is not a negative thing always. Sometimes, it helps you earn more. This is exactly the advantage of having a cashback credit card. It pays back the user a certain percentage of their spending they make in cash.

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How Does Cashback Work?

Usually, it is great deal because it gets some money back to the cardholder every time, they spend some amount using the card.

Supposedly, if a card provides you with a cashback of 3% on your expenses, spending 1000 AED will help you earn 30 AED.

The cashback you gain can be in the form of cashback points or in the form of money which is credited back to your account by the end of the billing statement.

This way you can shop as much as you want and save a good amount out of the spending.

TOP 5 Cashback Credit Cards of UAE in 2021

  1. Citibank Cashback Credit Card

citibank cashback credit card

This card requires a minimum salary of 8,000 AED without a salary transfer or adhere to Islamic Finance.

With 0 annual fees for the first year, this card is free from year 2 as well unless a minimum spend of AED 9,000 annually is not met.


  • Unlimited and Automatic Cashback on all spend
  • Complimentary Travel Insurance
  • 2% cashback on grocery shopping
  • 1% cashback on other expenditure
  • Complimentary access to over 850 airport lounges
  • No minimum spends and redemption
  • No earn caps on cashback

Documents Required:

  • Copy of visa & passport
  • Emirates ID
  • Salary certificate
  • 3 months’ salary statement
  1. CBD Now Visa Signature Card

CBD now visa signature card

With a minimum salary requirement of AED 10,000, this card does not require salary transfer nor offers Islamic finance.

It has 0 annual fees with an interest rate of 2.99% after a 52-days interest free period.


  • Flexible 12-months installment plan
  • Complimentary access to over 550 airport lounges worldwide
  • 50% off on 4 VOX tickets per month
  • Free Valet Parking

Documents Required:

  • Emirates ID
  • Copy of passport
  • Residence visa
  • Salary certificate
  • Valid trade license if self-employed
  1. ADIB Cashback Visa Platinum Card

ADIB visa signature platinum card

This card has a minimum salary requirement of 5,000 AED and a profit rate of 2.99%. It also offers 1% unlimited cashback on all retail expenditure.


  • Islamic Credit Card
  • 1% cashback on all purchases
  • No minimum spend required
  • Valet parking at selected places in UAE
  • Complimentary access to airport lounges worldwide
  • 4 Supplementary cards

Documents Required:

  • Copy of passport
  • Emirates ID
  • 3 months bank statement
  • Salary certificate (not more than 30 days old)
  1. Citibank Citi Prestige Card

citibank citi prestige card

With an annual fee of AED 1,500, this cashback credit card requires a minimum salary of 30,000 AED.

It also offers 10,000 bonus points when the card is renewed annually.


  • Complimentary access to over 750 airport lounges worldwide
  • 24/7 concierge service
  • Free golf services
  • Unlimited supplementary cards free of cost
  • Redeem bonus points for free flights or Air Miles
  • Free 4 VOX tickets

Documents Required:

  • Pan Card
  • Salary slips for last 3 months
  • Copy of passport
  • Driver’s license
  1. ADIB Spice Card- For Expats

ADIB Spice card for expats

It offers one of the best reward programs in UAE. It is an Islamic credit card. 100% finance limit for cash withdrawals with a minimum salary requirement of 12,000 AED.


  • Up to 9% cashback on restaurant bills
  • 7% on grocery shopping
  • 4% on fuel
  • 1% on utility spend
  • Dining discounts up to 25%
  • Reward points can be redeemed for airline tickets

Documents Required:

  • Original and copy of passport
  • Emirates ID
  • 3 months bank account statements
  • Salary certificate

Things to Remember before getting a Cashback Credit Card

  1. Minimum Spending Requirement

Cardholder must ensure that he is not overspending and is adhering to the finance limit of the credit card. Overspending can increase credit utilization resulting in impacting the credit score negatively. Hence, always keep your credit limit in mind.

  1. Validity of Cashback Rewards

The cashback rewards always have an expiry date. The cardholder should keep a check on it and make use of the reward before time of validity expires.

  1. Caps on Cashback

Some credit cards have limitations on the cashback that can be earned. The cardholder must check the limit of maximum cashback and spend accordingly.

  1. Spending Areas

Not all outlets and expenses are eligible for cashback. The cardholder must check the spending area which offers cashback.

If you are generally interested in credit cards in the UAE, check out our article on the best credit cards in the UAE

How to Get a Car Loan in Dubai | 2022

The independence of owning your own set of wheels is something people cannot abstain from. Although Dubai offers several advanced modes of transport, Emiratis and expats cannot shake the feeling of calling themselves a proud owner of a car.

With that said, most buyers prefer a car loan as a mode of payment. But, how to get a car loan in Dubai? Hopefully, by the end you’ll know everything you need to know. The application process to apply for car loans Dubai, documents required, eligibility criteria, and more are discussed below.

car loan dubai

Application Process

When you apply for a car loan, and it gets approved, your car is mortgaged to the bank until you settle the loan.

To get the process started,
  • you will have to contact the bank. However, many car dealerships are affiliated with the bank to offer you a smooth and easy loan for your new car.
  • If your car dealership offers this service, it becomes convenient to compare loan rates and other details. But, you can always compare loan rates at online resources.
  • Based on the type of car, used or brand new, and other things such as models, your finance, and more, banks have different loan structures. 

But, there are some basic things you need to consider before applying for a car loan with any institution in Dubai as stated below.

Documents Required

documents car loan dubai

Although document and other loan application details differ, here are the important documents you are required to produce for a car loan.

  • Passport
  • Emirates ID
  • Salary certificate
  • Labor card
  • Driver’s license
  • Bank statements for the last 3 to 6 months
  • Insurance policy documents
  • Valuation certificate of vehicle
  • Car registration documents

Eligibility Criteria

The eligibility criteria is a lot similar for both expats and locals, the only difference is driving license. 

  • First and foremost, you should be at least 21 years of age to apply for a car loan in Dubai.
  • A valid driver’s license
  • A salary of at least 3000 Dirham is required to be eligible for most car loan dealers in UAE.
  • Valid documents as requested by the bank

How does Auto Finance work in Dubai?

There are different ways to finance your car in Dubai, it varies based on factors such as whether you are a local or an Expat, how long you wish to stay in Dubai, savings, type of ownership, and used or new car.

But, first, let’s discuss car loan considerations in Dubai.

  • Most banks specify the amount they are ready to invest which is 80% of the total purchase amount and 20% is attributed to down payment. It is better to accumulate your down payment funds in advance. Another important thing to note is that the car you intend to purchase must be around AED 25k out of which banks are willing to invest 20k. The rest is down payment.  To learn more, check out our article on how to get a car loan in the UAE without a downpayment.
  • Nevertheless, some UAE banks offer zero down payment options for a specific type of customer such as a business employee or self employed individual. Apart from that, you can get suggestions from your car dealer.
  • You need to produce valid documents such as salary certificate, bank statements from the last 3-6 months, Emirates ID, and a driver’s license. If you are an Expat, you should have a valid driver’s license, or you can apply for a new driver’s license in Dubai if there’s an issue with your original license. Car’s registration certificate, insurance policy documents, and valuation certificate are also required for a loan application.
  • The loan period for older cars is generally shorter due to less purchase amount. But, banks offer a maximum loan period of 60 months for both old and new cars.

Paying cash is always the best option to finance your car if you are ready with your funds. Besides cash or loan, you can also opt for a lease agreement if you want to stay for a year or so. Renting or leasing vehicles come with their own set of benefits. Instead of down payments, lease agreements feature yearly or monthly payments, gasoline charges, and maintenance costs.

Repaying Methods of Loan

As mentioned earlier,

  • The Banks in Dubai structure car loans with a repayment tenure of  60 months.
  • The used cars have shorter repayment tenure, say, a ten year old model will have a repayment term of two years at best.
  • Interest rates are the most important thing to consider before financing your car with a loan. Loans with shorter repayment terms demand a higher repayment amount every month. However, long repayment terms come with less amount to pay. 

Thus, compare the best interest rates offered by different banks and go with the cheapest car loan option in Dubai.

If you’re interested to read more about How to Get a Home Loan in Dubai, click to read the best review. 

How to Get a Home Loan in Dubai | 2022

Dubai is considered as a haven for expats who are looking to lead a luxurious lifestyle. If you intend to settle down in Dubai for long, then getting a home will be your basic requirement. The good news is even the expats and foreign residents can procure a property in Dubai. The financial institutions process non-resident mortgage applications both for investment and for having a home for your family.

Well, let’s check how things work for foreign nationals if they intend to get home loans in Dubai: 

Eligibility Criteria

If you are planning to buy a home in Dubai as a non-resident of this state, you can still apply for the same. Generally the nationalized banks in Dubai have the following four conditions to fulfil as a home loan seeker eligibility. 
To get a Home Loan in Dubai, 

  • You should be a resident in Dubai for not less than six months to a year. 
  • The total duration of your employment in UAE should be minimum six months 
  • The business period in the country should be two to three years 
  • A good credit score and lastly, 
  • Your employer should be in the bank list

If you suffice these requirements, you are entitled to get a home loan.

In addition, if you are looking at how to take out a loan against your property in Dubai, please check out this guide.


The Process of getting a Home Loan in Dubai is as follows-

  • You need to check how much money you need to buy a home in Dubai.
  • Then comes the duration of the mortgage along with deciding the interest rate – going for a variable or having the fixed interest rate.
  • The process often takes a few weeks. Thus people opting for the same have to get an advance approval from banks.
  • Once you get a home of your budget, you have a loan under process against the things you want to mortgage as per the bank requirements.

All these are some of the key considerations you need to check for getting a home loan in Dubai.

Applying for a Home Loan 

In order to start the process of your home loan, you are supposed to provide the bank the following documents: 

  • Your personal identification documents, for foreigners it is the passport for the locals, they can produce any other document. 
  • Legal document of your residence in Dubai with your current residential address proof
  • Your creditworthy documents like bank statements, tax, wages proof or your employer letter.
  • The documents that can prove the affordability element of the mortgage.
  • In Dubai the banks would need your debt payments to be not less than 50 percent of your income. Thus in UAE, the banks remain more flexible as compared to the other nations.

Once these documents are ready, you are good to go for lending a home loan for buying a home in this place. 

Home Loans for UAE Nationals 

If you are a local in Dubai, you can enjoy loans the following way: 

  • The locals are offered loans up to AED 15 Million,
  • You get finance up to 85 per cent to the property value 
  • Enjoy the loan tenure up to 25 years 
  • Avail the Pre-approval facility 
  • It is available for salaried and self-employed individuals 

The banks can still have the right to change or amend the requirements 

Home Loans for Expats 

When it comes to getting loans for the expats or foreigners there seems to be some amount of difference, which are enlisted as under: 

  • You get a loan up to AED 15 Million, or 70 times your salary, which one is calculated as the lower 
  • The banks can finance up to 75 per cent of the property value 
  • Loan tenure be up to 25 years 
  • You can enjoy the pre-approval loan facility 
  • It is available only for the self-employed and salaried people. 

Lastly the banks are the sole authority to decide upon the loan conditions, which change from time to time. 

Wrapping Up 

When it comes to getting a home loan in Dubai, it can be a simple affair. However, the banks in UAE have their own standard process, which takes a few weeks to process. The local financial institutions like banks treat both the UAE nationals and expats similar ways provided they are sufficing their requirements. So, if you meet all their requirements, getting a home loan in Dubai is a simple affair.

Know more about How to get a Loan in Dubai, click to read article. 

How to Get a Mortgage Loan in Dubai

Mortgage in Dubai is still on the rise and contributes a considerable portion of property financing. Despite the sparse resources, UAE nationals and expats rely on home loans for most property investments.

Getting mortgages for buying a plot of land for a house, or commercial property can be easy, but taking help of mortgage brokers or other financial advisory services is a wise decision. Their expertise lets you explore the nitty gritty of the Dubai mortgage process.

Speaking of the process, you need to know how much you can borrow before you apply for a mortgage. So, calculate your mortgage in advance based on the price of the property, the loan term, and interest rate.

Process of Getting a Mortgage in Dubai


  • Once you have found the right type of mortgage for your needs, approach the bank directly or with the help of a broker.
  • Central Bank of the UAE has formulated some regulations on property loans. It requires a UAE national or an Expat to have a down payment of at least 20% of the property value below AED 5 million.
  • If the property value is above AED 5 million, this rate increases to 30%. It further increases to 35% if the financing is for the second or subsequent purchase of the property.
  • Nevertheless, the down payment of 50% is required irrespective of the property value if the purchase is made off plan.



  • You need a pre-approval. Once you have decided how much to borrow and repayment method, seeking a pre-approval is important for security purposes.
  • A bank emails you or sends you an official declaration stating that they have reviewed your application and it is approved.
  • This pre approval is valid for 60 days. It gives both the buyer and seller a sense of security. 

The buyer can start searching for a property without worrying about its finance. However, the seller confidently proceeds with sale if a buyer has pre-approval. 

Documents Required

The bank might have hidden costs associated with this, so it is important that you read everything carefully before signing the paperwork. Speaking of which, here are the documents you need as a UAE national to apply for mortgage:

  • Copy of passport, Visa and Emirates ID
  • Proof of employment which is the salary certificate
  • Bank statements from the past six months
  • Most recent credit card statements
  • Proof of address – either a copy of DEWA bill or a tenancy contract.


In Dubai, the difference in laws makes banks more flexible for loan applications. Your debt payments should not be more than 50% of your income. 

The cost of arranging a mortgage can be hefty. Apart from those mentioned below, there are other costs and fees associated with the mortgage. The costs and fees include 

  • The mortgage registration fee, which is 0.25% of the mortgage value.
  • Bank fees – property valuation fee, processing fee, insurance registration fee, and more hidden costs
  • Depending on mortgage, property value, and personal circumstances, the costs for mortgage insurance vary, but it is compulsory. So, loan protection insurance is also included.
  • If your account is outside of Dubai, it incurs transactional costs too. Thus, it is important to check with your bank what you will be charged for making such a huge international transfer covering fees and incidental costs.

Looking to buy a car? Read this article on How to Get a Car Loan in Dubai

Can Foreigners get a Mortgage in Dubai?

how to get mortgage loan in dubai

Most banks see foreign buyers as a risk when it comes to mortgage. Sometimes, paying a significant down payment to proceed is unavoidable. Based on the property and your personal circumstances, your options vary for getting a mortgage in Dubai. Speaking to a financial expert or brokers in advance can help.

Getting a pre-approval takes a couple of weeks, but gives you a fair idea of how much the bank is willing to lend. It lets you decide your budget before searching for a property. However, note that affordability is considered an important factor for loan eligibility. In many countries, your debt should not exceed 30% to 35% of your usual income. 

Do’s & Don’ts

mortgage in UAE

Mortgage loans are not easy, you should be well aware of your options. But, a few Do’s and Don’ts can help you with the process.


  • Do get a pre-approval before beginning your search for property. 
  • Do keep your financial records in order and turn in your requested documents within stipulated time.
  • Keep your mortgage lender informed of your financial situation.
  • Be educated about everything you need to know to make an informed decision during the process.
  • Hire a legal advisor or advocate to make the  legislative decisions for you or at least advise you.


  • Don’t sign any paperwork without going through all the terms and conditions of the bank.
  • Don’t finalize a broker without checking into their history and success rate, especially if you are an Expat.
  • Don’t quit or change your job because investors check on your employment status regularly.
  • Don’t spend money that you need for your repayment.
  • Don’t close credit card accounts or take cash advances on it if it is associated with your mortgage.

How to Get a Loan in Dubai

Getting a loan in Dubai is one of the most important things for people who are new to the country and need some initial cash flow to support their lifestyle and other needs. While there are a lot of banks in Dubai that offer loans, you have to find the one that suits your financial needs.

Before that, you have to understand the eligibility criteria, the documents required for the application, the process of application and other important details. In this article, we have covered all of these in detail. Make sure you read through this article till the end so that you get to learn exactly how you can get a loan in Dubai.

loan in dubai

Where can you get a loan in Dubai?

You can apply for a loan in a bank or a private lending company. There are different terms and conditions which have to be met before you get loans from a bank or a lending company. Understanding these terms and conditions in advance will help you go through the process with ease. Let’s start by understanding the eligibility and requirements for loan approval via banks.

What are the eligibility criteria for getting a bank loan in Dubai?

  • Applicant should be salaried/self-employed
  • Applicant should possess a valid passport  or a valid UAE National ID card 
  • Applicant should possess a valid residency visa for the UAE
  • Applicant should possess a letter of salary transfer in case it is asked by the bank
  • Applicant should have served at least six months of employment in the company
  • Applicant should have a working contract that outlasts the repayment period of the loan

What are the documents required?

  • National ID card (for UAE nationals)
  • Resident visa (for expatriates)
  • Proof of income

Some banks may require you to have a minimum salary of a certain amount. If you do not meet the salary requirement, you may not get a loan from that bank. In that case, you can opt for banks and financial institutions which do not have a minimum salary requirement


In most cases, you can apply for the loan online. However, you will have to visit the bank in person afterward. The process involves initial documentation for eligibility confirmation. Once that is done, banks follow some formal protocol and check the trust factors of the applicant. After this, the bank processes the loan within a few days.
There are a lot of banks that offer different types of loans in Dubai which include business loans and personal loans. There are also some private loan providers that can help you get loans. The application process for these private loan providers is very similar to that of banks. The difference could be in the eligibility criteria and the requirements. Private lenders have fewer requirements than banks. However, you have to make sure to compare the features of any financial institution before you apply for a loan. 

Ten Golden Rules to follow when Taking a Loan in Dubai 

  • Don’t borrow more than you can repay
  • Ensure timely and regular repayment of installments
  • Don’t borrow to invest or splurge
  • Take insurance with huge amount of loan
  • Keep shopping for cheaper rates on loans
  • Understand the loan documents properly
  • Substitute high cost loans
  • Repay loans before retirement
  • Keep your family or close ones in the loop while taking a loan
  • Keep loan tenure as short as possible

A word of caution

The ideal practice when applying for a loan is to approach a bank first. If the banks don’t approve of the loan for certain reasons, try getting the loan from private lending companies. There are companies that offer a loan on minimal documentation. However, you have to be careful and stay away from loan sharks. There are illegal loan providers in Dubai who constantly look for people desperate for loans. They offer loans at a very high interest rate and torture the borrower if they do not repay the money on time.

How to Get a Loan in Abu Dhabi

Do you want to get a loan in Abu Dhabi? If so, you have come to the right place. In this post, we have explained everything related to getting loans in Abu Dhabi. You can get loans to fulfill your personal goals, business goals, medical emergencies, and more. There are a lot of banks that offer loans in Abu Dhabi.

Choosing the right bank can be a daunting task. However, we have made this a little easier for you. In this article, you will find the best banks that offer loans in Abu Dhabi. After you finish reading this article, you will have a clear idea as to which bank to choose for getting loans. Let’s start by taking a look at some of the best banks that offer loans in Abu Dhabi.

Best banks that offer loans in Abu Dhabi

Now, let’s understand the process of loan approval in Abu Dhabi

Process for loan approval in Abu Dhabi

Obtaining a loan in Abu Dhabi is a simple process in today’s age. In earlier days, it was not that easy. The process was time-consuming, and sometimes it didn’t meet the purpose, especially when the loan was required urgently. Modern-day technology has made personal finance convenient, like never before. 

The process is quick and easy. In fact, applying for a loan from Abu Dhabi is similar to applying for a loan from any other place in the UAE. You can apply for loans from the official website of the bank you choose. If you meet the eligibility criteria, the loan gets approved in a few days.

Eligibility and qualifications for loan approval

To get a loan in Abu Dhabi, you need to be qualified and eligible. Here are some of the necessary qualifications and eligibility criteria for getting a loan in Abu Dhabi:

  • Valid Abu Dhabi residence permit
  • Clean credit history
  • Capacity to repay the loan on time
  • Government employee or employee of a firm approved by the lending bank
  • At least six months of employment in the company
  • Working contract outlasting the repayment period of the loan
NOTE: If you fail to meet the eligibility requirements, you can apply for a loan from private lenders. They do not ask for salary requirements and credit history.

Other important documents

  • National ID card (for UAE nationals)
  • Resident visa (for expatriates)
  • Proof of income

What happens if you Fail to pay your Debts in Abu Dhabi, UAE? 

Failing to pay three consecutive installments or six non-consecutive installments on the repayment of your personal loans or credit card facilities may be considered an event of default, in accordance with Article 4(4) of the Personal Loan Agreement format of the Central Bank of the UAE. 

“If the loan elapses and all the installments, interests and any other fees and expenses become due and payable immediately without having to give any notification or any court ruling and without prejudice to any other rights of the bank according to this agreement or in accordance with the law in the event that the borrower failed to pay three consecutive installments or six non-consecutive installments of the monthly installments without approval of the bank.” 

It should be noted that the dishonour of a cheque in the UAE is considered a criminal offence. This is in accordance with Article 401 of Federal Law No. (3) of 1987 on issuance of Penal Code of UAE, which states: “Detention or a fine shall be imposed on anyone who, in bad faith, gives a draft (cheque) without a sufficient and drawable balance or who, after giving a cheque, withdraws all or part of the balance, making the balance insufficient for settlement of the cheque, or if he orders a drawee not to cash a cheque or signs the cheque in a manner that prevents it from being cashed.”

Final Thoughts

Loans can help you overcome financial hurdles and help you achieve your goals. Getting the right loan is critical because you will have to bear the interest rates. Besides, some banks offer more privileges than others when you get a loan from them. So, make sure to compare the loan schemes before applying to any loan provider in Abu Dhabi.

If you are interested in personal loans in Abu Dhabi, you can read this article.

Best Personal Loans In Abu Dhabi

Are you looking forward to getting a personal loan in Abu Dhabi? If yes, you have come to the right place. In this article, we have provided information related to personal loans in Abu Dhabi.

Top Banks that offer personal loans in Abu Dhabi

  • Dubai Islamic Bank
  • United Arab Bank
  • Standard Chartered Bank
  • Citi Bank
  • Emirates Islamic
  • ADIB
  • RAK Bank
  • HSBC
  • ADCB
  • CBD
  • Emirates NBD

List of best personal loan options in Abu Dhabi

Personal Loan Rate of Interest Processing Fee Required Salary
Emirates NBD Personal Loan 2.69% 1% of the loan amount 5000 AED
United Arab Bank Personal Loan 2.87% 1% of the loan amount 7500 AED
RAK Bank Personal Loan 3.18% 1% of the loan amount 5000 AED
Standard Chartered Bank Personal Loan 3.55% 1% of the loan amount 30,000 AED
Citi Bank Salary Transfer Loan 3.73% 1% of the loan amount 8000 AED
Emirates Islamic Personal Loan 3.99% 1% of the loan amount 5000 AED
Commercial Bank of Dubai Personal Loan 5.50% reducing per annum 1% of the loan amount 10,000 AED

How to apply for personal loans in Abu Dhabi

Getting a personal loan in Abu Dhabi is an easy and hassle-free process in today’s time. In earlier days, getting a loan was difficult, and not everyone had access to opportunities for getting loans instantly. However, times have changed. The advancement in technology has made personal finance more straightforward and more convenient than ever before. 

loan abu dhabi

UAE is known for its excellent Financial Services. Some of the banks of UAE are regarded to be the leading banks in the world. Considering this factor, we can say that getting a personal loan in Abu Dhabi is very simple. The process of getting a loan is similar to that of the loan application procedure in any other city of the UAE.

Here’s how you can apply for the loan:

  1. Collect information about the requirements, eligibility criteria and other important details.
  2. Go to the official website of the bank or visit a branch office in person.
  3. Fill up the application form with all required details.
  4. Submit the form with all the required documents and wait for the approval.

If you are a qualified borrower, you can get access to loans within a few days of application. The duration of the processing of the loan depends on the company or the bank you are getting the loan from. 

Eligibility and qualifications for personal finance

To get a personal loan in Abu Dhabi, the borrower needs to be qualified and eligible. Here is a list of basic qualifications and eligibility criteria for borrowers of personal loans:

  • The borrower needs to have a clean credit history. Banks in Abu Dhabi a very strict about this.
  • The borrower has to have the capacity to repay the loan regardless of the fact that their employees for self-employed.
  • The borrower needs to have a valid Abu Dhabi residence permit regardless of their nationality.
  • The borrower can be a government employee or employer of a firm approved by the lending bank.
  • Employed applicants must have completed employment for at least 6 months.
  • Employed applicants need to have a working contract outlasting the repayment period of the loan.


To get your loan application approved without any hassle, you have to fulfill certain document requirements. Here are the two major documents required for accessing personal loans:

  1. Proof of Identity

    • National ID card for UAE nationals
    • Resident visa for foreigners
  1. Proof of income

    • Certificate from the employer stating salary

Final thoughts

Personal loans help you fulfill your financial needs be it related to your personal goals, business goals or medical emergencies. There are different types of personal loans and you have to decide the right loan for you before you start comparing them.

If you are interested in reading about How to get Personal Loans in UAE without company listing, click to read more. 

How to Get a Personal Loan in The UAE Without Company Listing

Getting a personal loan in UAE  depends a lot on the eligibility criteria of the loan applicant.  Banks and financial institutions offer loans only to those individuals who fulfill the requirement and meet the eligibility criteria for getting a loan.  You can speed up the application process and reduce the chances of getting rejected by understanding the personal loan eligibility criteria of various banks.  While each bank has its own eligibility criteria and requirement, there are certain things in common among all these banks.

The factors which determine the eligibility of borrowers are –

  • Age
  • Income
  • Credit score
  • Work status
  • Salary

Banks decide whether or not to approve the loan after evaluating these factors.

There are various reasons for the rejection of loan applications.  Among the many reasons why companies refuse to offer loans, the applicant’s employer company not being listed in the bank is a major one. Many small and medium-sized organizations are not listed with banks of Financial Institutions.  If you are an employee of such an organization, getting a personal loan can be difficult.

Having said that, there are still options for getting a personal loan in the UAE without company listing. There are banks and Financial Institutions which provide personal loan to employees of non-listed companies. Some of these have been listed at the bottom of this article.

Many banks have now started following the AECB credit score for determining whether an individual is eligible for a loan. These banks do not take into account the fact that the applicant’s company is listed with them or not. 

What are the eligibility criteria for employees of a non-listed company?

1. Monthly income

One of the crucial factors when it comes to loan approval is the monthly income of the individual. As the applicant’s company is not listed, the minimum income requirement for such an applicant may be higher. This is something that differs from bank to bank. However, in most cases, your income is considered to be a factor that determines your chances of loan approval from these companies.

2. Credit Score

A good credit score simply means that the borrower is trustworthy and financially capable of returning the loan. It is one of the most important factors during the loan application process. Maintaining a good credit score helps in getting a good loan amount and an affordable interest rate. It shows the lender your credibility as a borrower. 

3. Age 

Another important factor that determines your eligibility for loan applications is your age. According to these banks, the applicant’s age should be between 21 years and 60 years.  This age standard is for expatriates in the UAE. For UAE nationals, the upper age limit is 65. If you fulfill this age requirement, you can apply for the loan.

4. Work Experience

Applicants with longer work experience have better chances of getting the loan approved.  Lenders want to make sure that you are financially stable. If you have long term work experience,  you are perceived as someone who can repay the loan on time. Based on this perception, the bank or Finance Company approves your loan.

Which banks in the UAE offer personal loans without company listing?

Two of the most popular banks which offer personal loans without company listing are:

  1. Abu Dhabi Commercial Bank
  2. Emirates National Bank of Dubai
  3. Mashreq Bank
  4. First Abu Dhabi Bank 

Want to know more about Best Personal Loans in Abu Dhabi, check out this article. 

Other Important articles in this series:

How to get a personal loan in UAE without company listing
Personal Loan in UAE with 5000 Salary a Month
Personal Loan in UAE with 4000 Salary a Month
Personal Loan in UAE with 3000 Salary a Month
Personal Loan in UAE with 2500 Salary a Month

Best Banks in The UAE For Expats

UAE banks have provided excellent financial services in the past few years. With all the customer-oriented financial tools, these banks have achieved excellence in terms of yearly growth. Owing to the fast growth and lucrative trade and job opportunities, expatriates from all over the world choose UAE for work and as a career destination. As an expatriate, one of the first things to do is to set up the finances. In this article, we have listed some of the best banks in the UAE for expats.


EMIRATES NBD is one of the largest banking groups in the middle east. It has branches in UAE, Egypt, Saudi Arabia, Singapore, India, and the UK. It is one of the best banks for expats who want to set up their finances in the country. It provides all kinds of financial assistance, including home loans, personal loans, and business loans.

2. Mashreq

Mashreq Bank

Mashreq is one of the oldest banks in the UAE. It is a privately-owned bank that provides financial services to individuals and businesses in the UAE. There are over 12 overseas offices of Mashreq across Europe, North America, Asia, and Africa. It is one of the most reliable banks for expatriates and UAE nationals.

3. Standard Chartered

Standard Chartered is a British Multinational bank. It came into UAE in the year 1958. Currently, it has branches all over the UAE. It offers various financial services for expatriates, which includes expatriate accounts, credit cards, personal loans, etc.

4. Commercial Bank of Dubai (CBD)

The Commercial Bank of Dubai is one of the oldest in the UAE. It offers various financial services such as insurance, credit cards, personal loans, and more. It is one of the most convenient banking options for expatriates.

5. National Bank of Fujairah (NBF)

The National Bank of Fujairah offers financial services such as investment options, deposits, loans, and credit cards. If you are a new resident in the UAE and want to work and live here, opening an account in this bank is a good option.

6. Dubai Islamic Bank (DIB)

Dubai Islamic Bank

Dubai Islamic Bank (DIB) is one of the oldest banking institutions in the United Arab Emirates. It was established in the year 1975. It is one of the most trusted banks that offer regular and private banking services in the country to UAE nationals and expatriates.


RAKBANK or the National Bank of Ras Al-Khaimah is a public joint-stock banking company. It is headquartered in Ras Al Khaimah. It has over 30 branches in the UAE and provides holistic financial services to UAE nationals and expatriates.

7. First Abu Dhabi Bank

First Abu Dhabi Bank

Established in 1979 with its headquarters in Abu Dhabi, one of the most important banks in the UAE, with a total shareholder value of AED 31.2 billion, the Bank has achieved many achievements since its establishment to date. It has acquired the most important transactions in the UAE and has branches across the UAE Middle East.

8. Abu Dhabi Commercial Bank (ADCB)

Abu Dhabi Commercial Bank

The second largest commercial bank in the UAE and the government of Abu Dhabi owns 65% of its shares was established in July 1985 with the integration of a group of banks are Gulf Commercial Bank and Emirates Commercial Bank and the Federal Trade Bank. 

How to open a bank account for expatriates in the UAE?

The requirements for opening a bank account in the UAE for expats differ from bank to bank. However, the primary documents needed to open an account are:

  1. Original Passport with 2 copies
  2. Residency visa
  3. Proof of employment
  4. Proof of address 
  5. Letter from employer stating employee’s title and salary


UAE banking companies provide a wide range of banking services for expatriates. When you figure out the best banks to open your account with, you can enjoy even more benefits. Make sure to compare the interest rates and other details before opening an account. Check out bank interest rates in the UAE to find out more. 

If you are interested in knowing more about the Biggest Banks in the UAE , click to read more. 

Best Credit Cards in the UAE in 2023

The use of credit cards in the UAE is growing faster than ever before, thanks to the benefits attached to their usage. While using credit cards is an excellent way to balance your financial life, you have to make sure that you choose credit cards that suit your needs and give you the maximum benefits.

From travel rewards to shopping discounts, there is a host of benefits that come with credit cards. In this article, we have listed some of the best credit cards you can find in the UAE. Our team has done extensive research on the credit card offered by various financial institutions, and as a result, we have this comprehensive list of the top credit cards in UAE.

Credit cards have been categorized based on the benefits that come along. The list is long, and it will really benefit you if you read it through till the end.

Please note that if your salary is around 5000, you should instead read our article on the best credit cards in the UAE for people with 5000 AED salary.

Cashback credit cards

1. Standard Chartered Platinum Credit Card 

Standard Chartered Platinum Credit Card 

If you are a regular user of credit cards for your daily financial transaction, this is the one credit card you should definitely use. It provides offers on simple everyday activities like grocery shopping, paying utility bills, paying school fees, and more. 

Features and benefits:

  • Up to 10% cashback on utility bills
  • Up to 10% in grocery shopping
  • Up to 10% in school fee payment
  • 20% discounted Careem ride every month
  • 30% discount on travel with Cleartrip
  • 10% discount on hotel booking through hotel.com

Annual fee: AED 525

Minimum salary: AED 5000 

2. RAKBANK Titanium Credit Card 

Get unmatched benefits and rewards with the RAKBANK Titanium Credit Card. Enjoy cashback on travel, dining, and entertainment with this one-of-a-kind credit card in the UAE. Also, enjoy cash backs on daily purchases from grocery stores and a lot more with this card.

Features and benefits:

  • 5% cashback on dining, supermarket spends, and fuel
  • Up to 50% cashback on cinema spends all over the world
  • 2% cashback on all international retail transactions, internet transactions, and international cash advances
  • Up to 55 days no interest credit
  • Lucrative cashback offers on dining jewelry, electronics, furnishing and a lot more 
  • Unlimited complimentary access to VIP lounges in various parts of the world

Minimum salary AED: 10000

Annual fee AED: 0

3. CBD Super Saver Credit Card 

CBD Super Saver Credit Card 

CBD Super Saver Credit Card is one of the best credit cards in the UAE for those who are interested in saving money on every purchase. With this card, you can and get cash bags on almost all of the transactions during the year.

Features and benefits:

  • Cashback on various details and categories which include transport, education, bills, and supermarket spendings
  • 50% off on movie tickets booked through VOX Cinemas 
  • 2 free valet parking services
  •  Up to 8 complimentary access at more than 1000 airport lounges through LoungeKey
  • 1% cashback on every AED 2 uncapped spending

Minimum salary AED: 12000

Annual fees: AED 800(first year free)

4. Majid Al Futtaim (Najm) Platinum Cashback Card 

Majid Al Futtaim (Najm) Platinum Cashback Card 

This is one of the best credit cards in the UAE for everyday spendings. With this card, you can get high discounts on travel and leisure categories. The best part is that you don’t have to pay any kind of annual fee to hold this credit card.

Features and benefits:

  • 10% cashback at CareFour and 5% cashback for daily expenditure for two months
  • Up to 50% travel discounts
  • Up to 30% discount on dining, entertainment, shopping, and travel.
  • Buy one get one free offer on movie tickets through VOX cinema

Minimum salary: AED 7000

Annual fee: AED 0 

Rewards Credit Cards

1. ADIB Value+ Credit Card 

ADIB Value+ Credit Card

ADIB Value+ Credit Card offers flexible reward programs which help you redeem reward points on travel, shopping, movies, etc. 

Features and benefits:

  • 25 % off at selected restaurants
  • 2 Reward Points for every 1AED spent internationally
  • 1 Reward Point for every 1AED spent locally
  • Complimentary access to airport lounges

Minimum salary: AED 5000

Annual fees: AED 0

2. FAB Platinum Visa Credit card

Get Lifestyle privileges and maintain your spendings wisely with the FAB Platinum Visa Credit card. With this card, you can enjoy discounts and cashbacks in the UAE and all over the world.

Features and benefits:

  • Up to 1.75 FAB Stars for every AED 1 spent
  • Discounts on movie tickets and access to fitness clubs
  • Complimentary access to airport lounges 

3. Emirates NBD Titanium Credit Card

This is probably one of the best credit cards for all your domestic and international expenses. With this credit card, you get a wide range of discounts on Lifestyle expenses. 

Features and benefits:

  • Huge discounts on air tickets and holiday packages
  • 40% discount at more than 100 Golf Course all over the world
  • 1 Plus Point on every AED 100 spend through your card
  • Complimentary access to airport lounges

Cinema Offers Credit Cards

1. Dubai First Platinum Life Card

This is one of the best credit cards for offers on movie tickets, dining, and other leisure activities. If you are a movie lover and love to spend your weekends in at cinema theatres, this credit card is perfect for you.

Features and benefits:

  • Buy 1 get 1 free movie tickets
  • Complimentary access to airport lounges 
  • Valet parking services at selected locations at Dubai and Abu Dhabi
  • Discounts and offers or shopping, entertainment and more

Minimum salary: AED 8000

Annual fee: AED 0 for the first year, renewal AED 550

2. SimplyLife Cashback Credit Card 

SimplyLife Cashback Credit Card 

With the SimplyLife Cashback Credit Card, your movie experience can get a lot better. You can get free movie tickets, and huge cashback offers on using this card.

Features and benefits:
  • 1% cashback on all expenses made with this card
  • Up to two free movie tickets every month
  • Complimentary access to airport lounges in Abu Dhabi and Dubai

Minimum salary: AED 8000

Annual fees: AED 0  

3. Mashreq Novo Credit Card  

Mashreq Novo Credit Card  

If you are someone who actively goes to the cinema regularly, the Mashreq Novo Credit Card is a must-have for you. With this card, you can save a lot of money while enjoying your favorite movies. 

Features and benefits:

  • 50% discount on 8 movie tickets every month
  • Free multi-trip travel insurance
  • Complimentary access to airport lounges in the middle east region

Minimum salary: AED 5000

Annual fees: AED 300  

Travel Credit Cards

1. ADIB Etihad Guest Visa Platinum Card 

ADIB Etihad Guest Visa Platinum Card 

This is one of the best credit cards for frequent travelers. It provides multiple benefits to the cardholder.

Features and benefits:

  • 50,000 Etihad Guest miles as joining bonus.
  • 3 Etihad Guest miles on spending AED 4 internationally
  • 2.2 Etihad Guest miles on spending AED 4 locally
  • Complimentary access to airport lounges with LoungeKey
  • Valet Parking at selected locations

Annual fee: AED 700

Minimum salary: AED 5000a

2. Union National Bank Titanium Credit Card

Union National Bank Titanium Credit Card

If you want exclusive offers and discounts for your travels, you can use the Union National Bank Titanium Credit Card. It is one of the best travel credit cards in the UAE. With this card, you can get great travel benefits in low charges.

Features and benefits:

  • AED 500 UNB miles as joining bonus.
  • Complimentary access to airport lounges in UAE, Egypt, Jordan, Saudi Arabia, and Kuwait
  • 50% movie cashback as UNB miles

Annual fee: AED 0

Minimum salary: AED 8000

3. ADCB Traveller Credit Card  

ADCB Traveller Credit Card  

Get huge discounts on travel bookings done with ADCB Traveller Credit Card. It is definitely one of the best credit cards for those who like to travel frequently. 

Features and benefits:

  • 20% off on hotel reservations 
  • 20% off on flight ticket bookings 
  • Up to 6 free night stays at selected hotels all over the world
  • Complimentary access to airport lounges
  • 2 touchpoints on spending 1 AED using the card

Minimum salary: AED 30000

Annual fees: AED 1,050  

Final words

If you are wondering which of the above credit cards is the best, you should know that it all depends on your needs and requirements. If you are someone who travels all the time, you can choose the best one from the travel credit card category. If you like to spend your weekends watching movies, you can go for the best credit cards in the movie category. Likewise, if you are interested in cashbacks and discounts, you can choose from that category as well. In short, your choice has to be in alignment with your needs and requirements. You can enjoy the benefits accordingly.

Is your salary more than or equal to AED 3500 & you want to get yourself a credit card? Read the article on Best Credit Cards on 3500 AED salary to know more. 

Best Business Loans in Dubai

Getting a business loan in Dubai is something that may seem difficult to the novice and simple for the experienced. You may be in either of the categories, and yet you will want to know the best business loans in Dubai. There is a lot of confusion regarding business loans in Dubai.

With so many options to choose from, most business owners in Dubai are at a fix as to which loan is suitable for their business.

If you, too, have that dilemma, you have come to the right place. In this article, you will find the best loan options in Dubai. After you finish reading this post, you will have a clear idea as to which company you should choose for a loan for your business. 

So, here goes the list.

*NOTE: This is not a ranking list.

1. Abu Dhabi Commercial Bank (ADCB)

Abu Dhabi Commercial Bank (ADCB) is one of the best loan providers for business purposes. This loan can fulfill various business needs of the borrower, such as equipment capital, working finance, commercial assets, and more.

Features of ADCB business loan:

  • Loan amount up to 3.5 Million AED
  • 7 day approval time 
  • 2% processing fee
  • 17% interest rate
  • Flexible repayment option (48 months)


If you are a small or mid-sized company, RAKBANK is an excellent option for a business loan. With RAKBANK finance, your business can fulfill short term to medium term business requirements. The best part is that it needs very minimal documentation. 

Features of RAKBANK business loan:

  • Loan amount up to 3 Million AED
  • Collateral free loan
  • Flexible repayment option (60 months)
  • Minimal documentation

3. Commercial Bank of Dubai (CBD)

CBD aims to offer a comprehensive range of cost-effective and flexible financing facilities. No collateral up to AED 2 million high. Also, it provides a business credit card with high credits for easy access to money. Check out our guide to Dubai First credit cards to learn more.

When it comes to flexible finance for businesses, the Commercial Bank of Dubai has a top spot. The customer-friendly regulations of this bank make it one of the best business loan providers in Dubai.

Features of CBD business loan:

  • Loan amount up to 2 Million AED
  • Flexible interest rates (11-13%)
  • 1-3% processing fee 
  • 1.5% early settlement fee 

4. United Arab Bank (UAB)

If you want a finance company that understands your business needs, this is the company for you. United Arab Bank offers convenient interest rates and other benefits to help you grow your business. 

Features of UAB business loan:

  • High loan amount
  • Affordable interest rates
  • 2% processing fee 
  • Flexible repayment option (36 months)
  • Easy documentation process

5. Emirates NBD

With Emirates NBD, your business can meet its requirements at the right time. They provide some phenomenal business financing products which are designed to make your business reach a new level.

Features of Emirates NBD business loan:

  • Loan amount up to 1.5 Million AED
  • Competitive interest rates (15-20%)
  • Flexible repayment option (48 months)
  • Collateral free loan

General Requirements for Business Loans in UAE

  • Bank statement of Business or Personal account for last 6 to 12 months.

  • You should be running the business for at least 1 year.

  • Business turn over must not be below AED 50,000 per month

  • Company Audit financials are preferred – Not Must

  • Banks may also offer term loans in UAE with very attractive interest rates depending on the credibility, reputation and the size of the company.


Basic Required Documentation

  • A copy of trade-license

  • All applicable Incorporation documents: Partnership agreement, Power of Attorney, Memo of Association, etc.

  • Bank statement of last 12 months.

  • Valid passport for owner and all partners (where applicable).

  • The documents requirement will also vary from bank to bank, but generally the above mentioned documents will be required.

That was the list of providers of the best business loan in Dubai. Make sure to compare these loans and choose the one that perfectly suits your business needs.

But if you are interested on getting a Personal loan instead of a Business Loan in Dubai, read the article on Best Personal Loans in Dubai

Biggest Banks in the UAE

The UAE is one of the most developed countries in the world. Most of its development is because of its strong financial background. Banks play a significant role in the development of the country, and the UAE has some of the largest ones in the world. In this article, we have listed some of the biggest banks in the UAE. 

Banks are responsible for the upliftment and active growth of the country’s economy. When you compare these banks with other large banks around the world you will find that these banks are the most top-rated in the world. 

List of the biggest banks in the UAE:

1. First Abu Dhabi Bank

The First Abu Dhabi Bank is the largest bank in the United Arab Emirates. It was formed after merging First Gulf Bank with the National Bank of Abu Dhabi. The merger proved to be successful as it has been found that the bank is consistently growing at an exponential rate.
It currently has 80 branches all over the UAE and runs operations overseas in various countries, including Kuwait, Qatar, UK, USA, Switzerland, France, Jordan, Oman, India, and many other countries. 

Total assets: $202.53 billion (as per latest records)

2. Emirates NBD

Emirates NBD is one of the strongest Financial Institutions in the UAE. It was formed in the year 2007 as a merger between Emirates Bank International (EBI) and the National Bank of Dubai. It is the second-largest bank in the country now. It is also acclaimed as the third strongest bank in the Middle East region. It offers both conventional and Islamic banking services. 

Total assets: $143 billion (as per latest records)

3. Abu Dhabi Commercial Bank

It has branches all over the UAE, and there are also some branches overseas. Besides offering conventional and Islamic banking services, the National Bank of Abu Dhabi provides services in the areas of commerce, retail, investment, fund management, etc.

It has 50 branches in the UAE and offshore offices in various places around the world

Total assets: $80 billion (as per latest records)

4. Dubai Islamic Bank

Dubai Islamic Bank

The Dubai Islamic Bank, or DIB, is a leading bank in the UAE. Some of the core areas of services the DIB personal and business banking, retail, treasury, real estate, and contracting finance. 

Total assets: $62 billion (as per latest records)

5. Mashreq Bank

Mashreq Bank

Mashreq is the oldest privately-owned bank in the UAE. Before 1993, it was known as Bank of Oman. This bank offers services in various sectors, which include commercial and investment banking, retail, online banking, asset management, and more. It has over 40 branches within the country and overseas offices in the UK, the US, Hong Kong, Kuwait, and Qatar.

Total assets: $38 billion (as per latest records)

6. National Bank of Abu Dhabi

Established in 1968, the National Bank of Abu Dhabi is the largest lender among banks in UAE. It provides corporate, retail, private, investment, and Islamic banking services. The bank is headquartered in Abu Dhabi and is present in 19 countries across the world.

Total assets : $114 billion

7.  National Bank of Ras Al Khaimah

RAKBank is headquartered in Ras Al-Khaimah, UAE. It is also known as the National Bank of Ras Al Khaimah (P.J.S.C). The bank provides retail and commercial banking services to individuals and businesses in UAE. The business operates through five segments: Retail Banking, Wholesale Banking, Business Banking, Treasury, and Insurance Business. It manages a network of 38 branches and serves around 700,000 customers.

Total Assets: $11 Billion 

Other large banks in the UAE:

  • Union National bank
  • Abu Dhabi Islamic Bank
  • Commercial bank of Dubai

Want to know which are the Best Banks in the UAE for Expats? Well, we have got a list for you, check out this article now! Also checkout our overview of the Best Banks in Abu Dhabi.

Best Credit Cards in UAE on 3500 Salary

Whether you are a UAE National or an expatriate, getting a credit card can be a great uplift for your finances. UAE banks offer credit cards on the basis of applicants’ salaries.  In most cases, the required salary is around AED 5000. However, there are banks that offer credit cards in UAE on a salary of AED 3500 or less.  So, which are these banks that offer credit cards in low salaries? Read on to find out.

credit card in uae

1. Dubai First Bank

The Dubai First Bank was established in the year 2007.  It is a subsidiary of the First Abu Dhabi Bank. You can find a wide range of credit cards offered by this bank. 

Some of the best features and benefits of using this card are:

  • Free Airport lounge access.
  • Cashbacks
  • Discounts on fashion accessories
  • Discounts on Travel
  • Discounts on Health and Wellness

Annual fee: AED 400

Minimum salary: Not applicable

2. Ajman Bank

This is an Islamic Commercial bank established in the year 2007. The bank offers a credit card with no requirement of minimum salary. 

Some of the best features and benefits of using this card are:

  • 1 PowerPoint for every $1 spent
  • Redemption of the points on more than 300 airlines and 300,000 hotels
  • up to 100% cash withdrawal  
  • Instant online banking access

Annual fee: AED 400

Minimum salary: Not applicable

3. Arab Bank

The Arab Bank has its presence in more than 5 continents all over the world. It offers a wide range of financial products among which is the Arab Bank MasterCard Titanium Credit Card. This credit card requires a minimum salary requirement of AED 1,000.

Some of the best features and benefits of using this card are:

  • Free Airport lounge access.across the middle east
  • Special discounts on selected retail stores.
  • Credit shield insurance and fraud protection facilities
  • Convenient payment plan

Annual fee: AED 300

Minimum salary: AED 1,000

4. Mawarid Finance

This is a joint-stock company offering shariah-compliant financial services. It was established in 2006 and operates in Dubai. It offers a credit card called Souhoula Saver Platinum MasterCard. There is no salary requirement to use this card.

Some of the best features and benefits of using this card are:

  • Free Airport lounge access
  • Easy Payment Plan
  • Discounts on shopping, leisure, and entertainment.
  • Discounted chauffer rides with Careem
  • Up to 30% discount on travel bookings via ClearTrip.com

Annual fee: Not applicable

Minimum salary: Not applicable

5. United Arab Bank

The United Arab Bank is a private joint-stock company established in the year 1975. It offers various financial solutions including credit cards. 

Some of the best features and benefits of using this card are:

  • Discounts on hotels & holidays through hotelclub.com 
  • Free Airport lounge access across the world
  • Multi-trip travel insurance
  • 0% interest on balance transfers

Annual fee: AED 500

Minimum salary: Not applicable

6. Noor Bank

Formerly known as ‘Noor Islamic Bank’. Noor Bank is a Sharia-compliant, full-service bank offering a wide range of products and services for both corporate and personal banking, wealth management, takaful (Islamic insurance), inventory, and trade. It is located throughout the Abu Dhabi, Dubai, Sharjah and Al Ain.

  • It offers cashback, discounts offers, travel benefits, gold benefits, and access to airport lounges.
  • Buy 1 Get 1 free on over 900 offers on Dining and Hotel nights
  • Complimentary Global Internet Calling
  • Complimentary U by Emaar loyalty program membership
  • Valet Parking
  • Annual Fees waived

Annual Fee : AED 1000

Minimum Salary: Not applicable 

7. Emirates NBD

One of the leading banking groups in the United Arab Emirates was established in 1963. It has operations in the United Kingdom, Egypt, India, United Arab Emirates, Singapore, and Saudi Arabia.

Some of the best features of this card are: 

  1. International Medical & Travel Assistance
  2. 0% Interest in participating merchants
  3. Low-interest rates for all your purchases
  4. Instant Cash Withdrawal
  5. Online Access
  6. Extended Warranty
  7. Contactless Payment
  8. Flexible Payment Options
  9. SMS Alerts
  10. 6-12 Months easy installments
  11. Purchase Protection
  12. Protect Plus Insurance
  13. Exclusive movie offers
  14. 24 Hour Assistance
  15. Interest-Free Days

Annual Fee: AED 700

Minimum Salary: Not Applicable 

Those were some of the best credit card providers under AED 3000 salary. Make sure to go through the provided terms and conditions before applying for credit cards from these banks.

But if you are looking for the Best Credit Cards in the UAE in 2021, we have listed and reviewed them for you. Read More!

Dubai Islamic Bank Personal Loan – Review and Details

Dubai Islamic Bank or DIB is considered to be at the forefront of Islamic banking. Since its inception, this bank has followed the principle of being customer-centric.  Regardless of its deep-rooted values, DIB has accepted the innovation and growth of technology in the finance sector and has worked towards providing finance solutions to individuals and businesses who come to the bank for various reasons.

In this article, we have covered all the details of the Dubai Islamic Bank Personal Loan. When you finish reading this article you will have come to know about all important details of loan application including documents required for the application, loan eligibility, and interest rates.

Dubai Islamic Bank Personal Loan Review

Dubai Islamic Bank

Dubai Islamic Bank was established in 1975 and since then it has grown exponentially in the UAE and other places around the world. It is the first bank to provide personal loans to individuals with low salaries in the UAE. You can get the advantage of personal finance with or without salary transfer in the UAE if you meet the salary requirement of AED 3,000. It is indeed one of the most trusted and affordable loan options for both UAE nationals and expatriates. 

Key Points

Interest Rate Loan Amount Repayment Tenure
11% – 21.99% Up to AED 4,000,000 12 – 48 months


  • Minimum salary requirement is AED 3,000 per month
  • Salary transfer mandatory to apply  for this scheme
  • Self-employed individuals

Documents required

Proof of Identity/Address Other required documents
  • Passport copy residence visa (for expats)
  • Copy of Emirates ID (for UAE nationals) 
  • AESB consent form
  • Certificate letter from the employer or Salary and end of Service benefit transfer Letter 
  • Bank statement Security cheque
  • Trade license copy (self-employed individuals and businesses)

*Interest Rates

The term “interest rate” is not applicable to Islamic Banking. The alternative term for this is “profit rate”. However, to keep things simple for those who are new to the concept of Islamic banking, we have used the term “interest rate” throughout this article.

Let’s now talk about the principal features of this bank related to Personal Finance.


  • Easy repayment period of up to four years
  • Rates based on individual salary
  • Scheme applicable only for expats
  • All debt liabilities consolidated into one
  • Interest rate  for the loan is 11%
  • Reduction rate 11%
  • Flat rate is 6%
  • Maximum loan amount is up to AED 4,000,000 for UAE nationals
  • Maximum loan amount is up to AED 2,000,000 for expatriates
  • Early settlement  fee is 1% of the loan amount 
  • Arrangement fee is AED 1050

Now that we have covered the basic features of Dubai Islamic Bank personal loan,  let’s take a look at the benefits provided by this bank


  • Loan is provided only for Sharia-compliant goods
  • Considerably long repayment period
  • Higher loan amount compared to other banks,
  • Managerial assistance during the process of loan application
  • Considerable fast processing period


Dubai Islamic Bank helps Expats and UAE nationals get loans with convenience and ease. When you have the required documents and fulfill the eligibility criteria, you can get approval without any worry. We hope this article helped you understand a little more about getting personal loans from Dubai Islamic Bank.

For information on Best Private Banks in Dubai that provide personal & business loans, read this article

Filipino Money Lenders In Dubai

  • Private money lending without Government registration is illegal in Dubai.
  • There are many lenders who claim to offer instant loans without proper documentation. Make sure to check the authenticity of such lenders.
  • Getting loans from illegal lenders can become a big trouble for you, if you are not careful.

Are you an Overseas Filipino Worker looking for money lenders in the UAE? or Do you need cash on urgent basis? Do you only trust Filipino lenders?

Well, there are banks that offer loans to expats at attractive rates of interest. However, if you feel overwhelmed by the requirements, documentation and the process of application, you will be glad to know that there are alternatives for getting loans in the UAE.

There are personal loan providers who offer loans without looking at your credit score. So, if you are someone who has a bad credit score, you can find Filipino money lenders in Dubai and get loans from them.

You might have a lot of questions regarding the loan application from private lenders. Read this article till the end to get all these questions answered

filipino money lender

Let’s start by answering the most common question Filipinos have when looking for loan providers in the UAE – Is personal money lending illegal in the UAE?

Is personal money lending illegal in the UAE? 

Lending money at a high-interest rate without the required license is illegal in the UAE. On top of that, harassing people who are not able to repay the loan is a crime.

Now that you know about this, let me share with you another fact. There are some Filipino money lenders in Dubai who are really helpful. But, it is certainly a difficult task to figure out which ones are trustworthy.

Where can you find Filipino money lenders in Dubai?

There are certainly some kabayak money lenders who you can trust. Finding them is entirely up to you.

We are not recommending any lender here as we can’t take the guarantee of these lenders to be authentic. Use your good sense and do your research well before you approach any private lender. Always be cautious as getting loans and not being able to repay on time can put you into trouble. 

Another trustworthy way to lend money the Filipino way is taking a loan from Overseas Filipino Bank.

Overseas Filipino Bank

The Philippine government has opened up a branch of OFB in Dubai, UAE giving major relief to expats. It has even become digital now.

Even though it is a traditional bank with regular requirements for loan, it is much more beneficial and quicker than any other bank

Eligibility for OFB Loan

  • Applicants must age between 21-65
  • Must have a valid income
  • Must work overseas for at least 2 years
  • Monthly income should be more than the monthly installment. 

Documents Required

  1. Completely filled out loan form
  2. 2 Valid Government issued ID

    2 of the following- 

  • passport
  • driver’s licence
  • voters ID
  • postal ID
  • PRC ID
  • SSS ID
  • OFW ID
  • NBI Clearance

Should you get a loan from these kind of lenders?

Well, this depends on your financial situation. In our opinion, getting loans from private lenders should be your last resort.

If you can, you must get loans only for banks. It is much safer and you will not face any kind of harassment in the process. However, if you are not able to get a loan from banks, you have to make sure that you get the loan from a lender you can trust.

When should you get a loan from this kind of lenders?

When you want to get a loan, your first priority should be to approach banks. This is a legit and reasonable way to receive a loan. There are no complexities involved. You should approach private lenders only when:

  • You do not get loan approval from any bank.
  • You do not get loan from any other private finance company.
  • You have bad credit and you are not eligible for loans.
  • You need money urgently and can’t wait for the processes to complete.
  • You fail to borrow money from your friends and family.

When you get a loan from private lenders, you have to make sure of the following things:

  • Do not give them your passport as collateral.
  • Return the money on time.
  • Keep your family away from the lenders.

Is there any alternative to getting a loan from private lenders and banks?

Of course, there is. If you have friends and loved ones in the UAE or back in your country, you can always reach out to them for help. This is certainly a better option than borrowing money from private lenders and banks. 

To know more about Private Money Lenders in the UAE, click to read article. 

Final words

As an Overseas Filipino worker, you are making efforts to save money and send it back home to make sure that your family has a good life. Do not make the mistake of borrowing money from the wrong person as it could cost you not just your hard-earned money but your peace of mind too.

Best Personal Loans In Dubai

Personal loans in Dubai can be availed for various purposes.  Although the rejection rate for personal loans in Dubai is very high, you can overcome that with the right knowledge and evaluation. You can do this with the help of extensive research on the various companies that provide personal loans in Dubai. 

In this article, we have listed some of the best loan companies in Dubai which provide loan to individuals from within the country and expats from various parts of the world who live and work in Dubai.

Before you apply for a personal loan in any of the loan companies in Dubai, you have to consider the following options:

  • Interest rates of banks in the market
  • Your Credit history
  • The loan tenor and its effects
  • Early repayment charges 

Best personal loan providers in Dubai

1. Dubai Islamic Bank

Dubai Islamic Bank

One of the best personal loan providers in Dubai is the Dubai Islamic Bank. It is known for being the first Islamic bank that provides personal loans for low salaries. It is also one of the few Banks in Dubai that provides upfront Cash payment.  With no early settlement fees, customers get up to 48 months to repay the loan.

For Expats

  • Flat Rate: 6%
  • Minimum Salary: AED 10K
  • Reducing Rate: 11%
  • Max Loan Amount: AED 2000K
  • Early Settlement Fee: 1%
  • Arrangement Fee: AED 1050

For UAE nationals

  • Flat Rate: 6.06%
  • Minimum Salary: AED 10K
  • Reducing Rate: 11%
  • Max Loan Amount: AED 3000K
  • Early Settlement Fee: 1%
  • Arrangement Fee: AED 1050


The Abu Dhabi Islamic Bank or ADIB is one of the best personal loan providers in Dubai. It is headquartered in Abu Dhabi and it has over 100 branches in various regions all across the UAE. with affordable interest rates and lucrative loan amount, this one is definitely one of the top ones in the list of the best personal loan providers in the region.

For Expats

  • Flat Rate: 3.85%
  • Minimum Salary: AED 8K
  • Reducing Rate: 6.99%
  • Max Loan Amount: AED 1000K
  • Early Settlement Fee: 1%
  • Arrangement Fee: 0%

For UAE Nationals

  • Flat Rate: 3.72%
  • Minimum Salary: AED 8K
  • Reducing Rate: 6.75%
  • Max Loan Amount: AED 3000K
  • Early Settlement Fee: 1%
  • Arrangement Fee: 0%

3. RAK Bank

The Ras Al Khaimah National Bank or RAK Bank, as it is popularly known in the UAE, offers a wide range of financial services. Whether you are a UAE national or an expatriate, you are going to find lucrative personal loan options in this government joined ventured bank. 

For Expats and UAE Nationals

  • Flat Rate: 3.3%
  • Minimum Salary: AED 3K
  • Reducing Rate: 5.99%
  • Max Loan Amount: AED 1500K
  • Early Settlement Fee: 1%
  • Arrangement Fee: 1%


Hong Kong and Shanghai Banking Corporation or HSBC provides a huge range of financial services in the UAE. Personal loans are among the many flagship offerings of HSBC. 

For Expats and UAE Nationals

  • Minimum Salary: AED 7.5K
  • Reducing Rate: 7.49%
  • Max Loan Amount: AED 750K
  • Early Settlement Fee: 1%
  • Arrangement Fee: 1%


Abu Dhabi Commercial Bank or ADCB is one of the biggest banks in the UAE. If offers personal loans to expatriates and UAE nationals at attractive rate of interest. You can get a good amount of loan from this bank with simple eligibility requirements.

For Expats

  • Flat Rate: 4.75%
  • Minimum Salary: AED 5K
  • Reducing Rate: 8.6%
  • Max Loan Amount: AED 1500K
  • Early Settlement Fee: 1.05%
  • Arrangement Fee: 1.05%

For UAE Nationals

  • Flat Rate: 2.89%
  • Minimum Salary: AED 10K
  • Reducing Rate: 5.25%
  • Max Loan Amount: AED 4000K
  • Early Settlement Fee: 1.05%
  • Arrangement Fee: 1.05%

6. CBD

Commercial Bank of Dubai or CBD is a major personal loan provider in the UAE. With its branches spread over thirteen primary locations in the UAE, CBD is set to grow as a large player in the finance world. If you are looking for personal loan at a reasonable interest rate, this could be the right choice.

For Expats

  • Flat Rate: 3.03%
  • Minimum Salary: AED 8K
  • Reducing Rate: 5.5%
  • Max Loan Amount: AED 1500K
  • Early Settlement Fee: 1%
  • Arrangement Fee: 1%

For UAE Nationals

  • Flat Rate: 3%
  • Minimum Salary: AED 8K
  • Reducing Rate: 5.5%
  • Max Loan Amount: AED 3000K
  • Early Settlement Fee: 1%
  • Arrangement Fee: 1%

7. Emirates NBD

Emirates NBD is one of the largest banking organizations in the UAE. It offers a lot of different financial services to customers. Among all its flagship services is the personal loan service. Emirates NBD offers lucrative personal loan offers to expatriates and UAE nationals. Here are some of the details about this loan.

For Expats

  • Flat Rate: 2.77%
  • Minimum Salary: AED 10K
  • Reducing Rate: 5.24%
  • Max Loan Amount: AED 1000K
  • Early Settlement Fee: 1%
  • Arrangement Fee: 1%

For UAE Nationals

  • Flat Rate: 2.9%
  • Minimum Salary: AED 5K
  • Reducing Rate: 5.49%
  • Max Loan Amount: AED 4000K
  • Early Settlement Fee: 1%
  • Arrangement Fee: 1%

Documents required

Now that we have covered the various loan providers in Dubai, let us take a look at some of the documents you would require to get a loan in Dubai.

  1. UAE National ID
  2. Residency Visa for expat
  3. Letter of salary transfer
  4. Six months bank statement

Reasons for loan application rejection

While getting a loan in Dubai is considerably easy, there are certain reasons which account for the rejection of loan applications. Knowing these reasons can help you get a loan in Dubai without having to go through rejection. Below mentioned are some of the most common reasons why your application might get rejected. When you know these reasons, you can get prepared in advance and probably get a loan in the first attempt.

So here are the reasons:

  • Your employment status
  • Your company not listed
  • Minimum salary eligibility
  • Your debt repayment capacity
  • Your credit score

Here is some more advice that might help you get through the application. These could increase your odds of getting the loan in the first attempt. 

  • Verify all information before submitting
  • Known your credit score
  • Apply in your credit capacity

Now, all you have to do is compare all the loans before finalizing.

We hope you have already done that using the list above. We would also like to let you know that there are various other loans that you can apply to in Dubai. Just visit the other pages on this website and compare the loan options.

If you are interested in knowing How to Get a Loan in Abu Dhabi, check out this article. 

Best Private Banks In Dubai

The economy of Dubai is a service-based economy. Private banks play a big role in uplifting the economy of Dubai. There are many old and new private banks in the country. Some of these banks have their origin in Dubai and other regions in the UAE. Others are from different parts of the world. In this article, we have covered some of the best private banks in Dubai in a list format. This list is in no particular order. Therefore, this should not be considered as a ranking list.

1. Emirates NBD

Emirates NBD is one of the best private banks in the region. some of the core services of this bank are investment advisory services,  investment execution services, real estate advisory, trust and wealth structuring and more.

2. FIMBank P.L.C


FIMBank is a global provider of trade and finance solutions. It has its presence in many countries of the world. It is one of the most prominent banks in the UAE. 

3. Doha Bank

Doha Bank

Doha Bank is one of the largest banks in Qatar. It has branches in different parts of the world including the UAE. It offers a lot of services besides basic financial services.

4. DBS Bank

DBS Bank is a Singaporean Multinational bank. It has its headquarters in Marina Bay Financial Centre Tower 3, Marina Bay, Singapore. With branches all over Southeast Asia, it is one of the leading private banks in Asia and it is slowly making a strong hold in Dubai too.

5. United Arab Bank 

United Arab Bank is one of the leading financial solution providers in the UAE. It is ideal for those looking for a financial solution is both retail and corporate sectors. There are currently 20 branches of United Arab Bank in the UAE and this number could go up very soon.

6. Abu Dhabi Commercial Bank

Abu Dhabi Commercial Bank is the third-largest bank in the UAE. This bank provides a varied range of services that include private banking services in various areas including services for individuals and large corporations. It also offers investment and fund management services.

7. Dubai Islamic Bank

Dubai Islamic Bank

Dubai Islamic Bank (DIB) is one of the oldest banking institutions in the UAE. It came into formation in the year 1975. It has been known for being the first Islamic bank to offer holistic banking services in the Islamic Banking system. Over the years, it has grown to become one of the most trusted banks that offer regular and private banking services in the country.

To know more about the Dubai Islamic Bank Personal Loan Review, read this article. 


The United Arab Emirates is acknowledged to be the world’s best provider of banking services. The private banks from the UAE are amongst the best banking institutions in the world today. With the private banking system in Dubai, customers get access to a wide range of financial services and offers. Of course, there are investment companies in the emirate as well. When you become a client of one of these banking institutions, you will enjoy the highest level of financial security and growth.

About Us

UAELoanBazaar.com is an online authority on loans, credit cards, banks and the general financial industry in the UAE and the emirate of Dubai. We strive to provide up-to-date and accurate information on the financial industry in the UAE. Our aim is to become a one-stop shop for your personal finance needs in the UAE market.