ADCB Smart Loan

  •   Deal Expired
Min SalaryAED 5,000
Salary TransferNo
Max Finance AmountAED 200,000
Arrangement Fee1%
Flat Rate (est. equivalent)From 5.51% p.a.
Reducing Rate (As Advertised)From 10% p.a.
Early Settlement Fee1%



  • Loan repayment up to 48 months
  • Non salary transfer loan.


  • Loan repayment period is up to 48 months.
  • You require a minimum salary of AED 5,000 per month to be eligible.
  • It is not a requirement to transfer your salary to apply
  • The processing fee is 1% of the loan amount [Min AED 500; Max AED 2,500] for salaried customers, for self employed customer there is no max amount
  • The early settlement fee for this loan is 1% of the outstanding amount (principal + profit) to date. All other outstanding profit is waived.
  • The insurance fee is 0.75% of loan amount.
  • Loan repayment period is up to 48 months; Rate is calculated on reducing balance and can vary between 14% to 26%.
  • The reducing rate of this finance is 10% and the equivalent flat rate is 5.51%. The calculation used is a division of the reducing rate by 1.814 and this is indicative only

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ADCB is a full-service commercial bank offering a wide range of products and services such as retail banking, wealth management, private banking, corporate banking, commercial banking, cash management, investment banking, corporate finance, … see more..