Personal Loan in UAE Without Salary Transfer (2025)

Looking for a personal loan in the UAE without the hassle of transferring your salary? You're in the right place. We've listed the best banks and financial institutions offering no-salary-transfer loans with instant approval in Dubai, Abu Dhabi, and Sharjah.

Top Banks Offering Personal Loans Without Salary Transfer

Emirates NBD Personal Loan

Amount: Up to AED 200,000
Tenure: Up to 48 months
Minimum Salary: AED 5,000
Special Feature: No need to transfer your salary account

ADCB Smart Loan

Amount: AED 15,000 to AED 250,000
Tenure: 12 to 48 months
Salary Requirement: AED 4,000
Highlight: Quick approval without account switch

Benefits of No Salary Transfer Loans

Eligibility Criteria

Apply for a Loan Online

FAQs – Personal Loan Without Salary Transfer

Yes. Many banks now offer personal loans without salary transfer, especially for expats and private sector employees.

Typically, you'll need your Emirates ID, passport, visa page, salary certificate, and recent payslips or bank statements.

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