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Limited Time Offer!

Easy and Quick Salary Transfer Personal Loans for all your financial needs with Interest Rates starting from 5.24%,  attractive discount on the Life Insurance, and the option to pay your first installment in up to 120 days.

  • Loans available for salaried UAE National customers with salary starting from AED 3,000 
  • Interest Rates starting from 5.24% to 19.99% reducing rate p.a. 
  • Loan Amount up to 20 times your salary
  • Option to combine all your existing loans into one loan, under one monthly payment for ease of payment
  • Option to avail Salary Advance which allows you instant access to funds via digital banking. Please click here to know more.
  • Option to defer your installment  twice per year
  • Convenient Top-up loan after 1 year 
  • Apply now and avail an Auto Loan at 2.85% p.a. flat rate (for customers with AECB Score >=651)
  • Free RAKBANK Debit Card and personalized cheque book
  • Free RAKBANK Credit Card with no annual fee ever and low interest rates
  • Easy documentation
  • Customers with Salaries of AED 50,000+ will be qualified to RAKBANK Elite and enjoy unmatched benefits. 
  • Personal loan starting from 5.44% (Reducing) for Youth UAE Nationals with salary >= 10,000. 

Offer is valid until further notice

Apply now! SMS UAEPL to 7011

  • Not more than 2 installment deferrals are allowed in a year.
  • Installment deferral cannot be given if payments are irregular or if there are 4 cheques / Direct Debit System (DDS) returns in the last 12 months or if the request does not meet the Bank’s internal risk policy requirements.
  • For a period of consecutive 3 months, if the salary credited to your salary account is less than 75% of the salary or if salary is not credited for consecutive 3 months, you will be obliged to pay 2% per annum above the rate of interest originally agreed until completion/settlement of the Loan.

You need to:

  • Pay all installments and other amounts due on the due dates without delay.
  • Review all other terms & conditions set out in the application form in detail.
  • Regularly check our website (www.rakbank.ae) for updates.
  • Notify the Bank in writing if there is a change in your employment or income details, contact details, residential status, identification details, financial details or any other material information as declared in the application form.
  • Notify the Bank in writing if you wish to prepay your Loan prior to its maturity.
  • The Bank may amend the features, fees, charges, terms & conditions of the Loan on 60 days’ notice to you in advance.
  • The Bank may amend the interest rates for the Loan on 30 days’ notice to you in advance.


  • If you pay off the Loan prior to the due date, you will pay prepayment charges at the rates described in the Service and Price Guide.
  • If you are late in payment or fail to make a payment on the due date, you will pay default interest at the rates described in our Service and Price Guide.
  • A personalized cheque book subject to charges as per our Service & Price Guide.
  • Loans are issued at the sole discretion of RAKBANK and are subject to Terms and Conditions.
  • If you fail to make a payment or otherwise breach the Loan terms, this will be a default and the Bank will be entitled, among other things, to:
    • (a) Cancel the Loan and demand full repayment immediately;
    • (b) Report the default to the appropriate regulatory authorities including the UAE Central Bank and Al Etihad Credit Bureau and credit rating agencies, which will affect your credit rating;
    • (c) Bring legal proceedings against you.
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This application is for salaried individuals with a minimum salary of AED 5,000.

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