Education Loan


  • Attractive interest rates starting from 9% per annum
  • A loan covering 100% of annual tuition fees
  • 100% of admission fees
  • 50% of accommodation/hostel fees
  • 100% of visa and travel ticket costs in case of foreign job internship in between school/university terms

His Highness Sheikh Mohammed bin Rashid Al Maktoum said, "We want to provide the new generations with the skills needed for the future. This is our national duty." At UNB, we take these words seriously.

What do you need to improve your life, right now? Is it another degree to help you secure a leading position in your industry; a decorating budget for your home; your child’s education; or a break away from the pace of life? 

Whether you’re a parent who wants to give their child the best possible grounding at one of the UAE’s reputable schools, or you’re longing to get ahead in your career by pursuing an education for yourself, we can help you make it happen.

We believe that everyone should have access to a sound education, which is why our student loans cover 100% of the tuition and admission charges, along with other related expenses, at both schools and colleges across the UAE. 

Think of it as us giving you your own set of keys.

Fees and Tariffs

Processing fee  
1.05% of the principal loan amount (minimum AED 525 – maximum AED 2,625)  
Early settlement charges  
1.05% of the outstanding balance (subject to maximum of AED 10,500)  
Credit Life Insurance fee (mandatory)  
0.5% per annum of loan amount for each year of loan tenor (minimum AED 100)  
Issuance of Liability Letter  
AED 63  
Loan Cancellation fee  
AED 105  
Partial settlement fee  
1.05% of Outstanding amount, max AED 10,500  
Late payment charges  
AED 210  
Loan rescheduling fee  
AED 262.50  
Other fee  
AED 26.25  
Fees & Charges are in line with UAE Central Bank policies and inclusive of VAT (Value Added Tax)  


You do not need to have your salary transferred to a UNB account to apply for a UNB Education Loan.

Applicants must be:

  • Earning at least AED 10,000 per month
  • A UAE resident
  • At least 25 years old at time of application
  • No older than 65 at loan maturity
  • Employed at your current employer for at least one year

Terms & Conditions

Terms & conditions apply

Terms & conditions apply.

The bank reserves the right to change the interest rates, fees & tariffs, charges and terms & conditions at its own discretion, without any prior notice.

Approval of loans is at the discretion of the bank.

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