Personal Loan for Self-Employed in UAE (2025)

Freelancer, consultant, or business owner in the UAE? You can still access personal loans with the right documents and lender.

Eligibility Requirements

  • Trade license (valid for at least 1 year)
  • Business bank statements (last 6–12 months)
  • Minimum monthly turnover: AED 15,000–20,000
  • Valid UAE residency and Emirates ID

Some lenders also consider freelance permit holders or small business owners.

Best Lenders in 2025

  • ADIB – profit-based personal finance
  • Mashreq NeoBiz – SME-friendly solutions
  • Emirates Islamic – flexible EMI options
  • RAKBANK – loans against business income

Online application and digital banking support make approval faster for entrepreneurs.

Apply Now

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