Looking to turn your financial goals into reality without draining your savings? By 2025, obtaining or getting a FAB Personal Loan in the UAE has never been simple and competitive as nowadays dozens of banks and finance companies provide different interest rates, and choosing the right one can save you thousands of dirhams. It’s the right interest rate, not only the low amount of your monthly payments, but the easier way to reach debt freedom or the possibility to finance your upcoming great achievement.

We’ll analyze the current interest rates of personal loans in the UAE in 2025 in this guide, reveal secrets of negotiating the most favorable conditions, and point out the banks with the most customer-friendly packages. Planning your dream wedding or consolidating debt or covering emergency costs, you’ll have the clarity and confidence to select the choice that suits you best.

A FAB Personal Loan in the UAE with Salary is a loan facility opened by First Abu Dhabi Bank especially tailored to confirm an easily obtainable loan at an attractive rate to individuals on salary seeking a quick form of financing. You can transfer your salary to FAB and enjoy competitive rates, increased loan limits and negotiated repayment to suit your style and budget- most of the time you can up to a load of 48 months.

A personal loan is best suited to meet personal expenses of a person in the form of education, home renovation, traveling, consolidation, and borrowing without any security. As the FAB considers you qualified to borrow the money depending on your pay and stable employment, the borrowers are less stressed about the approval process of the loans and the flexibility of repayment plans according to the monthly incomes. This score of security, versatility, and low price are what make taking loans to be one of the best loaning plans in the UAE among the salaried residents.

Choosing the right type can save you money, reduce hassle, and align the repayment terms with your lifestyle. Here’s a breakdown of the most common types, along with key points to help you decide which fits your needs best.

FAB (First Abu Dhabi Bank) offers personal loans with flexible terms, but meeting the eligibility requirements is essential to secure approval and enjoy competitive rates. Here’s what you need to know:

1. Minimum Monthly Income: To qualify, applicants must have a monthly salary of at least AED 7,000. A higher income can increase your chances of approval and potentially unlock lower interest rates.
2. Employment Status: FAB caters to full-time salaried employees across both listed and non-listed companies in the UAE. Proof of stable employment and consistent income is required.
3. Age Limit: Eligible applicants should be between 21 and 65 years old at the time of loan maturity. This ensures that repayment is comfortably completed during your working years.
4. Loan Tenure: You can choose repayment periods of up to 48 months for most sectors. Selected industries, such as government and semi-government sectors, may enjoy an extended tenure of up to 60 months, offering more manageable monthly installments.
5. Salary Transfer Option: While salary transfer to FAB is not mandatory, doing so can grant you access to exclusive interest rate discounts and faster loan processing. This flexibility allows you to apply even if your salary is credited to another bank.

To make sure your FAB loan application goes smoothly, have these documents ready:

1. A valid Emirates ID (original and copy)
2. Passport copy with visa page (for expats)
3. Salary certificate from your employer
4. Bank statements from the last 3 to 6 months
5. Employment verification letter (if requested)
6. Liability letter (only for loan buyouts or transfers)

1. Check Eligibility Criteria – Ensure you meet FAB’s basic requirements, such as minimum salary threshold, age limit, employment status, and employer listing.
2. Gather Required Documents – Prepare your Emirates ID, passport, visa copy, recent salary certificate, and bank statements as per FAB’s checklist.
3. Choose the Loan Type & Amount – Decide on the loan category (e.g., personal, top-up) and select the amount and tenure that fits your repayment capacity.
4. Submit Your Application – Apply online via FAB’s official website, mobile app, or by visiting the nearest branch with your documents.
5. Await Approval & Verification – FAB will verify your employment, salary transfer details, and credit history before granting approval.
6. Receive Funds in Your Account – Once approved, the loan amount will be credited directly to your salary account with FAB, usually within a few working days.

Here is the list of top 5 personal loans in UAE 2025 

Personal loan provider	Flat interest rate	Reducing Interest rate	Minimum Salary (AED)	Salary Transfer
RAK Bank personal loan	3.18%	5.99%	5000	Yes
FAB Personal loan	2.64%	4.99%	7000	Yes
Mashreq Personal loan	3.58%	6.49%	7000	Yes
Citibank Personal Installment  loan	7.8%	14%	8000	Not Mandatory
Emirates Nbd Personal Loan	2.63	4.99%	5000	Yes

• Ensure that your monthly loan repayments (this loan included) are not above 50% of the amount you earn every month.
• In case you are employed in an organisation approved by FAB (FAB-listed), you could receive favorable loan rates, and reduced interest rates.
• In case you intend settling your loan earlier than contracted, ensure that there is no additional fee incurred in doing so.
• You can consider taking out some form of loan cover such as Takaful or life insurance in case something bad occurred such as accidents or you lost your job and other incidents.
• Never take more than you can afford in terms of the loan. You have a higher likelihood of approval when you take what you need only.
• Carefully pay your bills and loans whenever due. Good credit history increases the chances of being granted a loan.

• Pay bills on time, reduce outstanding debts, and avoid multiple new credit applications to show lenders you are a reliable borrower.
• Lenders prefer applicants with consistent employment or business income, as it assures your ability to repay the loan.
• Aim to keep your monthly debt payments below 40% of your income to demonstrate healthy financial management.
• Submit all required paperwork (ID, salary slips, bank statements) correctly and promptly to avoid delays or rejections.

Mistake	Why It’s a Problem	Better Approach
Rushing the Application	Applying in haste can lead to missing important details or required documents, causing delays or rejections.	Take time to review the checklist and gather all paperwork before submission.
Misjudging the Total Cost	Focusing only on the monthly installment without considering processing fees, insurance, or penalties can strain your budget later.	Calculate the full cost of the loan, including all fees, before committing.
Skipping Pre-Approval Checks	Applying without a pre-eligibility check can lower your credit score if rejected.	Use FAB’s pre-eligibility tools to gauge approval chances without affecting your credit history.
Not Factoring in Future Expenses	Borrowing without considering upcoming financial commitments can make repayment difficult.	Plan for possible life changes, like moving or family expenses, before deciding loan amount.
Ignoring Early Settlement Policies	Overlooking early repayment terms may lead to unexpected penalties if you decide to close the loan early.	Read FAB’s early settlement policy to understand any costs or benefits upfront.

Since personal loans are a long-term investment, 2025 is the right time to find the most suitable personal loan rates in the UAE that will allow you to live stable, financially sound years. When you recognise the market tendencies and compare the offers of the lenders, as well as when you are attentive to the hidden fees you need to pay attention to, you become the navigator of your financial life.

As a reminder, the worst rate is not always the best one, but the right one that suits your needs, pay ability and long-standing objectives. Compare now and lock in the lowest rates and make 2025 a year you borrow, save big, and invest in what really matters to you.