UAE Personal Loan Calculator
Estimate your monthly EMI, total interest and total repayment on a UAE personal loan.
How to use
- 1
Enter the loan amount you want to borrow.
- 2
Enter the bank's reducing-balance interest rate (not the flat rate).
- 3
Enter the tenure in months. UAE maximum is 48 months.
- 4
Optionally enter your gross monthly income and existing debts to check the 50% DBR cap.
Frequently asked questions
UAE Central Bank rules cap personal loans at approximately 20 times the borrower's monthly salary, with an absolute ceiling that varies by bank (typically AED 2–3 million). Your loan must also fit within the 50% Debt Burden Ratio. Total monthly debt commitments cannot exceed half your gross monthly income.
48 months. UAE Central Bank consumer-credit regulations cap personal-loan tenure at 4 years regardless of loan amount.
Salaried expats with a UAE-listed employer and salary transfer: roughly 5.99%–9% reducing. Non-salary-transfer and higher-risk profiles: 10%–14%. Islamic finance profit rates are comparable to reducing rates, not flat.
A flat rate applies to the original loan amount for the full tenure, so the effective cost is nearly double. A reducing rate applies to the outstanding balance, which falls as you repay. Always ask for the reducing rate before comparing quotes.
A one-time processing fee (typically 1% of the loan, capped around AED 2,500), life-insurance premium (deducted monthly), and an early-settlement fee capped at 1% of outstanding or AED 10,000, whichever is lower.
Yes, banks offer 'non-salary-transfer' personal loans, but the interest rate is usually 2%–4% higher than the salary-transfer equivalent.
DBR = (all monthly debt repayments) ÷ (gross monthly income) × 100. It includes credit-card minimums, car-loan EMIs, existing personal loans and the new loan's EMI. The UAE Central Bank caps it at 50%.
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Source: UAE Central Bank Consumer Credit Regulations · Last verified 2026-04. Verify on CBUAE Rulebook. This tool provides estimates only and is not legal, tax or financial advice. Always verify your specific situation with the relevant UAE authority or a licensed advisor before taking action.