ADCB Personal Loan

ADCB conventional personal loan for salaried customers in the UAE, offered through separate pages for UAE nationals and for expatriates, with repayment tenors from 6 to 48 months, a processing fee of 1.05% of the loan amount, and interest calculated on the reducing balance. Official ADCB sources publish different interest-rate figures, which have not been reconciled: the Conventional Personal Loans Key Facts Statement (Ver.03/January 2026, no customer segment stated) gives a fixed rate of 3.99%-12.99% p.a. or a variable rate of 3-month EIBOR + 2.50%-8.00% with a 3.99%-8.99% floor; the expatriate loan page gives 'from 5.99% upto 14% per annum' for expatriates; the UAE nationals page gives rates 'starting from 5.24%' p.a. ADCB states that rates vary by customer segment, profile and loan tenor. Early/partial settlement fee 1.05% of the settled amount (max AED 10,000 + VAT) per the KFS; credit life insurance is mandatory.