UAE Nationals

UAE Nationals Loan


  • Competitive interest rates starting at 4.50% per annum
  • High loan amount
  • Flexible repayment period based on loan type
  • Consolidate all your debts in one payment
  • Possibility to pay first instalment after three months
  • Up to four instalment postponements per year
  • No annual Credit Card fees

As a UAE National, you’re part of the inspirational story of the UAE, a country that proves that anything is possible. You know you can make your dreams happen. As the bank that cares, we want to help you do just that. 

Whether you’re looking for additional funds for investments or home improvements, or planning for an opulent, one-of-a-kind wedding, an overseas trip for the entire family, treating yourself to a luxury purchase, we recognise you as the architect of your own life. This is why we’ve designed a personal loan that puts you in the driving seat. 

With UNB, you can tailor your loan according to your specific circumstances and needs; choose your own terms and benefits, at a competitive rate of interest. 

With our personal loan, you’re in charge, driving your own destiny.

Fees and Tariffs

Processing fee  
1.05% of the principal loan amount (min AED 525 - max AED 2,625)  
Insurance fee  
Applicable at prevalent rates  
Early settlement charges  
1.05% of the outstanding balance (subject to maximumof AED 10,500)  
Partial payment charges  
1.05% of partial payment amount  
Late payment charges  
AED 210  
Loan rescheduling fee  
AED 262.50  
Postponement fee  
AED 105  
Credit card fees  
As per credit card policy  
ROD fees  
AED 210  
Other fees (Loan copy,etc.)  
AED 26.25  
Issuance of Liability Letter  
AED 63  
Loan Cancellation fee  
AED 105  
Fees & Charges are in line with UAE Central Bank policies and inclusive of VAT (Value Added Tax)  


Applicants must be:

  • UAE nationals
  • Earning at least AED 10,000 per month
  • Working in a Government, semi-Government or approved private employer

Terms & Conditions

Terms & conditions apply

  • Minimum salaries range from AED 10,000 to AED 20,000, depending on the applicant's employer.
  • Minimum length of service is 3 months (or confirmation), however for consolidation of your debt, the minimum length of service is 1 year.
  • The applicant must be employed by a UNB-approved company.
  • 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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