How To Get Urgent Cash Loan In Dubai

Getting urgent cash loans in Dubai is not a very difficult task these days. When you have the right information and follow the right steps to get a loan, you can easily get approval from loan providers in Dubai.  Whether you are a national of UAE or expatriate, this article will help you understand how to get urgent cash loans in Dubai. 

As a borrower, you have four main prospects for getting loans. 

  • Private lenders
  • Banks
  • Pawn shop or broker – Sell or deposit valuables ( Phone, Gold, Car etc. )
  • Loan Sharks ( Illegal – Not recommended )

You will be able to find the best suitable option for you using the table below ->

Pawn Shop/Collateral Loans

Time taken

Upto 7 days

Upto 3 days



Heavy Paperwork & Document Requirements

Moderate Paperwork

Negligible paperwork

Loan Amount

20 Times Salary

Up to AED 100,000

Depends on Value of Deposited Goods

Credit Check


As per company policy




Must be licensed by Centeral bank of UAE

Yes, But Beware of Gold Lenders!






This is the most secure way to get a loan but will prove to be slow & cumbersome

These are much faster & require less documents than banks. But, the interest rate is a little higher.

This is the best way to get Urgent cash loan. But, beware of illegal pawnbrokers & scams. 

*Note: Loan sharks also provide instant & urgent loans but they must be avoided at all costs. These are informal money lenders who will charge you insane interest rates of upto 1200% per year & also threaten your peace & safety.

Private lenders for urgent cash loan in Dubai

Most private lenders are illegal in Dubai. There are, however, two major private lenders who operate legally. You can get quick cash loan approval from these lenders with minimal documentation. These private lenders are:

1. Mawarid Finance

mawardid urgent cash loan dubai

Mawarid Finance is a private finance company in the UAE. The services offered by them are Sharia-compliant. It is suitable for small and medium-sized businesses (SMEs) and individuals who are looking for fast loans.

2. Finance House 

Finance House was established in the year 2004. It is an independently operated organization and it offers various financial services to individuals and businesses in the UAE.

Top 10 banks for urgent cash loan in Dubai

There are many banks and private loan providers in Dubai who offer quick cash loans. Below listed are some of the best ones among all the loan providers in the region.

1. FIMBank P.L.C FIMBank P.L.C loans

FIMBANK P.L.C or First International Merchant Bank Private Ltd Corporation is one of the best banks in Dubai to get a quick business loan. 

2. Doha Bank

Doha Bank

One of the best options for personal banking in Dubai is the Doha Bank. It provides loan services various categories and you can get a quick loan with this bank for sure.

3. DBS Bank

DBS Bank

This Singaporean Multinational bank has its presence in many countries of the world including the UAE. It is a reliable option for getting instant loans in Dubai.

4. United Arab Bank 

United Arab Bank cash loans

The United Arab Bank is one of the best banks in the UAE. It offers financial solutions in retail as well as corporate sectors. It is one of the best options for easy loans in Dubai.

5. Dubai Islamic Bank

Dubai Islamic Bank urgent cash loans

One of the most trusted and well-known banking institution in Dubai is the Dubai Islamic Bank. It is the go-to bank for expats and UAE nationals who are looking for loans immediately.

6. RAK Bank

RAK Bank

With a wide range of financial services, the RAK Bank stands as a really good option for loans in Dubai. This is a government-funded bank and you can expect really good options for personal loans and business loans from it.



When it comes to personal loans, HSBC is an option to take into consideration. It offers a wide range of financial services. Personal loans are one of the best ones among them.

8. Emirates NBD

Emirates NBD

If you are looking for attractive personal loan offers, you can choose to go with Emirates NBD. This bank offers quick loans to individuals and businesses who meet the eligibility criteria.

9. Abu Dhabi Commercial Bank (ADCB)

Abu Dhabi Commercial Bank (ADCB)

If you want urgent loans for your business in Dubai, you can approach Abu Dhabi Commercial Bank. It offers loans to UAE nationals and expatriates at reasonable interest rates.

10. Commercial Bank of Dubai (CBD)

Commercial Bank of Dubai (CBD) loans

Commercial Bank of Dubai offers personal loans at a very minimal rate of interest. You can get a loan from this bank faster than most other banks in Dubai.

Now that you have come to know about the top loan providers in Dubai, you must understand the important details for getting through the application procedure. Read on to know all the details you need to know.

Is getting a cash loan in Dubai really easy? Find out now.

If you are wondering if getting a loan is easy, let me tell you that it is absolutely easy when your profile fits right as a loan applicant. To get a cash loan in Dubai you have to fulfill certain requirements that we are going to cover in this section of the article.

You will get to know about the most essential requirements for getting a loan approved quickly and conveniently.  In fact, when you follow through these requirements and understand them clearly you can get your loan in a very short span of time. So, here are the important steps that you need to follow to get a quick loan in Dubai.

cash loan in dubai

First of all, you also have to make sure that you are eligible for the loan application. Now, you might have this question regarding the eligibility and the requirements that need to be fulfilled for being able to apply for the loan. Read through the following paragraph to understand the eligibility criteria for loan application in Dubai.

Eligibility criteria for loan application

  • The minimum age for loan application in Dubai is 21 years.
  • The maximum age for loan applications in Dubai depends on the bank. In most cases, it is 65 years.
  • The maximum loan amount depends on the bank you are seeking the loan from. Some banks can offer a loan amount up to AED 5 million.
  • The applicant must be salaried and should have completed at least six months in service.
  • The minimum income criteria for applicants depends on the bank. Most banks approve loan applications from individuals who have a minimum salary of AED 5000.
  • Some banks require individuals to transfer their salary to an account held in their bank. 

Once you have made sure that you are eligible for a loan, the next important aspect is documentation. If you do not have the required documents for getting your loan approved, you are going to have a tough time.

Documents required

  • UAE national ID card (for UAE nationals)
  • Valid passport (for expats)
  • Valid residency visa (for expats)
  • Salary certificates
  • Latest three bank statements
  • Salary transfer letter

Once you have these documents, you can remain assured that you are going to get the approval for the loan. However, in case you do not get the loan approved in the first attempt, you can figure out the reason for rejection and apply again. Alternatively, you can also apply for loans from personal money lenders in Dubai.

To know more about getting a Personal Loan from Dubai Islamic Bank, click to read the review. 

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