Many UAE residents wonder whether they can get a personal loan with AED 2,000 salary in UAE. As per the latest guidelines of the Central Bank of the UAE, there is no official minimum salary requirement for personal loans. However, eligibility ultimately depends on individual bank policies. Most banks continue to set their own minimum salary criteria.
Let’s explore the banks in the UAE that may offer personal finance to those with low salaries.
Can I Get a Personal Loan with a Salary of AED 2000 in the UAE?
Yes, you can now get a personal loan in Dubai or any other emirate with a salary of AED 2,000. This is because the UAE Central Bank has removed the fixed minimum salary requirement for personal finance. Thus, banks and financial institutions no longer follow the earlier AED 5,000 rule
Still, you need to meet certain eligibility requirements to qualify for a low-salary loan. There are several banks that still require you to meet the bar of minimum salary requirement, typically AED 5,000 or more.
Which Banks Offer Personal Loan with Salary of AED 2000?
As mentioned earlier, the UAE Central Bank has removed the minimum salary requirement for personal loans (previously AED 5,000). However, banks and financial institutions in the UAE continue to set their own eligibility criteria, including minimum salary requirements.
To help you out, we have listed some of the top banks in the UAE that may offer loans to low-salaried individuals. We will also check the loans’ key features and requirements.
1. FAB Personal Loan
First Abu Dhabi Bank (FAB) is the largest bank in the UAE. It offers different types of personal loan that suits the unique needs of individuals. Just keep in mind that the bank usually doesn’t offer a FAB personal loan with minimum salary 2,000 in the UAE.
Here are the key offerings under this category -
Personal loan
Non-listed company personal loan
New to country loans / New to employment loans
Landlord loans
Here are the key features of the loan from the First Abu Dhabi Bank -
Key Features
Specifications
Loan Amount
Up to AED 5 Million
Minimum Salary Requirement
AED 7,000
Interest Rate
Starting from 4.7% for nationals and 5.44% for expats
Maximum Repayment Tenure
48 months
60 months for Ministry of Defence employees
FAB Personal Loan Processing Fees
1.05% of the principal amount - minimum and maximum fees of AED 525 and AED 2,625, respectively
2. HSBC Personal Loan
Securing an instant loan is easy with HSBC in the UAE. It offers secure and unsecured finance options with basic requirements. Also, this loan option comes with a variety of benefits like flexible repayments, loan top-up facility, and more.
Here are the key features of the HSBC personal loan -
Key Features
Specifications
Repayment Tenure
Up to 48 months
Interest Rate*
Starting from 5.54%
Credit Life Insurance
Not required
Minimum Salary Requirement
AED 7,500
*The interest rate may vary as per your profile, market conditions, and other aspects.
3. Deem Finance Personal Loan
Getting a personal loan for weddings, travel, education, and more is quite easy with Deem Finance. You can qualify within a few minutes and enjoy perks like simple documentation, optional Credit Life Plus protection, and more.
Key details of this loan are as follows -
Key Features
Specifications
Interest Rate
Starting from 15.99%
Minimum Salary Requirement
AED 5,000
Salary Transfer
Not required
Repayment Tenure
Up to 48 months
4. Emirates NBD Personal Loan
With Emirates NBD, you can get a personal loan with a low salary in the UAE. The bank offers a variety of personal finance options for Emiratis and expats — you can easily meet your emergency fund requirements.
Here are the top benefits of an Emirates NBD personal loan in UAE -
Key Features
Specifications
Loan Amount
Up to AED 4 million for Emiratis and
AED 3 million for expats
Minimum Salary Requirement
AED 5,000
Loan Tenure
Up to 48 months
Additional Features
7 day loan return option
Credit life insurance
Debt consolidation
Free insurance
Co-applicant program
5. Emirates Islamic Bank Personal Loan
Looking for a Shariah-compliant personal finance option? You can apply with the Emirates Islamic Bank in the UAE. This option not only helps you achieve your financial goal but also brings significant benefits, including a high finance amount, competitive profit rates, and more.
Find below the key features of the Emirates Islamic personal finance option -
Key Features
Specifications
Maximum Finance Amount
AED 4 million for nationals
AED 3 million for expats
Minimum Salary Requirement
AED 7,500
Finance Tenure
Up to 48 months
Up to 60 months for Ministry of Defence employees
6. DIB Personal Loan
Dubai Islamic Bank (DIB) offers a wide range of personal finance options for diverse financial needs. You can get a high finance amount with minimal documentation, enjoy flexible repayment tenures, and benefit from affordable monthly instalments. These perks ensure quick and hassle-free access to funds.
Tabled below are the key features of this personal finance option -
Key Features
Specifications
Finance Amount
Up to AED 5 million
Tenure
Up to 48 months
Minimum Salary Requirement
AED 3,000 or more
7. RAKBANK Personal Loan
RAKBANK personal loans in UAE provide quick access to unsecured funds with competitive rates and repayment flexibility of up to 48 months. With high loan amounts, fast approvals, and balance transfer options, it’s a smart choice for meeting personal financial needs.
Check out the major details of the RAKBANK personal loan below -
Key Features
Specifications
Loan Amount
Up to 20x your salary
Minimum Monthly Salary
AED 3,000 or AED 5,000 (as per the loan type)
Tenure
Up to 48 months and 60 months for UAE Armed Forces staff
8. ADIB Personal Loan
Abu Dhabi Islamic Bank (ADIB) is one of the leading Islamic banks in the UAE. It offers a Shariah-compliant borrowing option with flexible repayment tenures, competitive profit rates, and a smooth approval process.
Here are the crucial details of ADIB personal finance -
Key Features
Specifications
Finance Amount
Up to AED 3 million for nationals and AED 2 million for expats
Minimum Monthly Salary
AED 5,000
Tenure
Up to 48 months
Who is Eligible for a Personal Loan in UAE with AED 2,000 Salary?
The eligibility criteria for a personal loan with AED 2000 salary go beyond the minimum salary requirement - you also need to check other requirements. While the criteria vary, here are the standard ones -
Eligibility
Requirements
Minimum Salary
Varies as per the bank
Minimum Age
21 years old
Maximum Age
60 or 65 years, depending on the bank
The bank may require you to meet additional eligibility criteria.
Which Documents are Needed to Get a Personal Loan with a Salary of AED 2000?
To apply for a personal loan with AED 2,000 salary in UAE, you need a few documents. While the exact list, just like that of eligibility criteria, depends on the bank, you can check out the general document requirements below -
Emirates ID
Passport + residence visa (for expats)
Latest 3-6 months’ bank account statements
Salary certificate/salary transfer letter (if required)
Wrapping Up
Even with a salary of AED 2,000 in the UAE, you can explore personal loans from select banks and trusted loan apps in UAE. However, while the UAE Central Bank has removed the minimum salary requirement, banks can still have their salary requirements.
Thus, before applying, check the minimum salary requirements. Additionally, compare eligibility criteria, interest rates, repayment periods, and more to make a safe and well-informed borrowing decision.
Q1. Is there any minimum salary requirement to get a personal loan in UAE?
No, the Central Bank of the UAE has removed the minimum salary requirement for personal loans. However, many banks may still set their own minimum salary criteria. Thus, it’s best to check directly with your bank before applying.
Q2. What is the interest rate for personal loan in Dubai with AED 2,000 salary?
The interest rate for a personal loan in Dubai with an AED 2,000 salary varies based on the bank’s policies, your eligibility, credit profile, and other terms and conditions.
Q3. Can I get a FAB personal loan with minimum salary of 2000 in the UAE?
No, you cannot get a FAB personal loan with a salary of AED 2,000. The bank asks for a salary of AED 7,000 or more.
Q4. Can I apply for a personal loan with loan apps in UAE?
Yes, you can find plenty of loan apps in UAE that let you borrow a certain amount for personal use. However, before applying, make sure that the app is verified and authorised in the country.
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