UAE Personal Loan Calculator
Enter the loan amount, interest rate, term and salary to see whether it fits the regulatory limits and what the loan really costs.
Calculate your instalment
Central Bank rules for personal loans
- Maximum amount: 20 times the monthly salary or total income.
- Term: no more than 48 months.
- Debt burden: total instalments no more than 50% of salary, and 30% after retirement age.
- Interest: calculated annually on the reducing balance and clearly disclosed.
Example: a loan of AED 150,000 at a 6.5% reducing rate over 48 months, on a salary of AED 12,000.
Instalment ≈ AED 3,557 a month, total interest ≈ AED 20,748.
The amount is within the limit (20 × 12,000 = 240,000), and the debt burden is 29.6%, under 50%. The loan complies with the rules.
Beware of flat rates
An advertised "3.99% flat" does not mean you pay 3.99%. A flat rate is charged on the whole original amount for the full term, even after you have repaid most of it, so it works out at roughly double the reducing rate. Choose "Flat" in the calculator to see the equivalent rate. Prefer Arabic? Use the Arabic version.
Frequently asked questions
What is the maximum personal loan in the UAE?
20 times the monthly salary or total income, for no more than 48 months, under the Central Bank's personal loan regulations. Some banks set lower limits.
What debt burden ratio is allowed?
Total instalments on all your obligations (loans and cards) may not exceed 50% of your salary. If instalments run past retirement age, they are rescheduled so as not to exceed 30% of income or pension.
What is the difference between flat and reducing rates?
A flat rate is charged on the original amount for the whole term, so it looks lower but costs more. A reducing rate is charged on the remaining balance each month, and it is the rate the Central Bank requires banks to disclose. A 4% flat rate over 4 years is roughly a 7.5% reducing rate.
Was the minimum salary requirement removed?
The Central Bank removed the minimum salary requirement in the new regulation, but banks set their own eligibility criteria, and the debt burden and term limits still apply.
Can the bank ask for cheques worth more than the loan?
The bank may take security cheques covering instalments up to a total of 120% of the loan or outstanding balance.
Sources
- UAE Government portal — loans for individuals (Central Bank rules) (12 March 2026)
- Central Bank of the UAE — personal loans regulation
Figures and formulas on this page were last reviewed on 2026-11-03.