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Personal Finance

  • Up to AED 4 million
    Financing
  • Up to 120 Days
    First Instalment Payment
  • Low
    Salary Requirement
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For Shariah Certificate, click here

Live your dreams with DIB

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Get ready for a new life with DIB Personal Finance - pay first instalment in up to 120 days* (Only for UAE Nationals).

Live your dreams with DIB

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Enjoy quick and easy access to funds with high approval amounts & simple documentation. First instalment in up to 120 days*.

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Financing Convenience

With a minimum salary requirement of AED 3,000 coupled with the added benefit of a maximum tenure of 48 months, enjoy high finance approvals for your personal finance needs.

Maximum finance set at AED 4 million for UAE Nationals and AED 2 million for Expatriates for up to 48 months. And an applicable profit rate from 5.99% per annum to 21.99% per annum reducing. First instalment in up to 120 days* (Only for UAE Nationals).

National Financing Scheme for eligible UAE Nationals

* Depending upon your Salary, Eligibility and Employer Classification

** UAE Nationals Customers with long term Personal Finance

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Simple Documentation

We've kept things easy to accomplish when it comes to personal finance. Our documentation process is simple and easy to put together, giving you peace of mind with a stress-free process, ensuring faster access to funds.

Documentation includes:

  1. Copy of Passport (with residence visa for expatriates)
  2. Copy of Emirates ID
  3. Salary and End of Service Benefit Transfer Letter/Certificate from the employer
  4. Statement of Account for minimum 3 months in case of salary transfer to another bank (6 months for self employed professionals/ businessmen)
  5. Copy of valid trade license (for self employed professionals/businessmen)

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Quick Processing

Stress-free, simple and ready when you need it, look forward to faster turnaround times on your personal finance application, from start to finish.

Finance Structure Overview

  UAE Nationals Expatriates
Maximum finance amount (AED) 4,000,000 2,000,000
Maximum tenure 48 months 48 months
Minimum salary requirement (AED) 3,000 3,000
First Equated monthly Installment(EMI) payment Up to 120 days* Up to 90 days*

*Depending upon your Salary, Eligibility and Employer Classification

*Minimum monthly salary of AED 15,000 transferred to DIB

Under a Sharia-Compliant structure and documentation. Al Etihad Credit Bureau (AECB) consent form is mandatory.

Al Islami Personal Finance is offered to salaried customers. Salary transfer to DIB is not mandatory.

We'll help you do the math

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* Please note that this is an indicative calculation only; actual value may defer based on your employer/salary/profile
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