Personal Loan in UAE Without Emirates ID (2025)

Need urgent cash in the UAE but don’t have an Emirates ID yet? Some lenders now offer flexible loan options for new residents and visa holders.

Who Can Apply Without Emirates ID?

You may qualify for a personal loan even without an Emirates ID if you meet one or more of these criteria:

  • Holding a valid passport and visa
  • Salary transfer to a UAE bank account
  • Employment letter from UAE company
  • Initial stages of Emirates ID processing

Top Features

  • Loan amount: AED 5,000 – AED 100,000
  • Quick approval within 24–48 hours
  • No collateral required
  • Suitable for new expats and job starters

Each bank has different requirements, so comparing your options is essential.

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