UAE Loan Finder — compare the best personal, car & home loan rates

Tamweel ranks UAE loans by their total cost of credit — the interest you pay plus the processing fee — over the exact term you choose, not by the headline rate. Every rate comes from the lender’s own website or Key Facts Statement; products whose rate a bank does not publish are left out rather than guessed. Before ranking, each loan is checked against UAE Central Bank rules: your debt-burden ratio must stay at or below 50% of income, a personal loan cannot exceed 20 times your monthly salary or run beyond 48 months, car finance is capped at 80% of the vehicle price over 60 months, and a first-home mortgage is capped at 80% of the property value for expats and 85% for UAE nationals (70% and 75% above AED 5 million). Where a lender publishes only a flat rate, it is converted to the exact reducing-balance equivalent for your term so the comparison is like-for-like.

Best personal loan rates in the UAE

Across the lenders in this comparison, published personal-loan rates currently run from about 4.7% to 34.99% on a reducing-balance basis — the spread reflects your salary, employer, credit history and whether you move your salary to the lender. The single most important thing to understand is the difference between a reducing-balance rate, which charges interest only on what you still owe, and a flat rate, which charges it on the full original amount for the whole term. A flat rate always looks about half of its true cost, so this tool converts every flat rate to its reducing-balance equivalent before ranking.

Two UAE Central Bank rules cap what any bank can lend you: a personal loan cannot exceed 20 times your monthly salary, and the term cannot run beyond 48 months. On top of the interest, expect a 1.05% processing fee (including VAT) and an early-settlement fee capped at 1% of the outstanding balance or AED 10,000, whichever is lower. Before approving anything a bank checks your AECB credit score, whether your employer is on its approved list, and your length of service — which is why the rate you are quoted can differ from the headline.

Rates are each lender’s lowest published rate, taken from the lender’s own website or Key Facts Statement and verified in August 2026. Your rate depends on the lender’s credit assessment.

Car loan and auto finance rates in the UAE

UAE car finance is capped by the Central Bank at 80% of the vehicle price, so you need at least a 20% down payment, and the maximum term is 60 months. Most banks quote car loans as a flat rate, which is why they look so cheap: a headline of 2.20% flat over five years is about 4.18% reducing — RAKBANK publishes both figures for the same loan, so the conversion is not a trick, it is the true comparable cost. This tool converts every flat quote to its reducing-balance equivalent so a flat-quoted loan and an APR-quoted loan sit side by side honestly.

New cars are usually priced a little keener than used ones, and some banks ask for a larger down payment on older or higher-mileage vehicles. Whichever you choose, the car is mortgaged to the bank until you settle — the registration is held in the bank’s favour and released when the loan is cleared. Islamic buyers get the same economics through a Murabaha auto-finance structure, where the bank buys the car and sells it to you at a fixed profit; the monthly commitment works the same way and its profit rate is directly comparable to a conventional rate.

Rates are each lender’s lowest published rate, taken from the lender’s own website or Key Facts Statement and verified in August 2026. Your rate depends on the lender’s credit assessment.

UAE mortgage and home loan rates

How much you can borrow against a home is set by the Central Bank’s loan-to-value caps. On a first home, an expat can borrow up to 80% of the value (so a 20% deposit) and a UAE national up to 85%; above AED 5 million those caps drop to 70% and 75%, and second properties are capped lower. The maximum term is 25 years. Rates come as either a fixed period — typically one to five years — or an EIBOR-linked variable rate that moves with the market; when a fixed period ends the loan reverts to a variable rate, usually EIBOR plus a margin, so budget for the payment to change.

Because mortgage pricing tracks EIBOR, any published rate is a starting point rather than a locked quote. Remember the purchase itself carries separate one-off costs — the DLD transfer fee, agency commission and a bank valuation — which you can size up with our property fees calculator. Lenders also set a minimum salary and a minimum property value, both of which vary by bank and are checked before any offer is made.

Rates are each lender’s lowest published rate, taken from the lender’s own website or Key Facts Statement and verified in August 2026. Your rate depends on the lender’s credit assessment.

How Tamweel ranks UAE loans

Tamweel ranks by total cost of credit over the exact term you choose — the interest plus the processing fee — not by the headline rate, because a lower rate with a bigger fee, or a longer term, can cost you more. Where a lender publishes only a flat rate, we convert it to the exact reducing-balance equivalent for your tenure so every product compares like-for-like. When a lender does not publish a processing fee, we assume the UAE-typical 1.05% (capped AED 2,625) and label it as an estimate rather than presenting it as fact.

Before ranking, every loan is filtered against your eligibility and the UAE Central Bank caps: the 50% debt-burden ratio, the 20× salary and 48-month personal limits, the 80% car LTV over 60 months, and the mortgage LTV bands. A lender that does not publish its rate is excluded rather than guessed. The rate shown for each product is that lender’s lowest published rate — your real offer depends on the bank’s credit assessment of your salary, employer and history. Every product is re-checked against the lender’s own website or Key Facts Statement monthly, and the last verification date is shown on each result.

UAE loans — frequently asked questions