Head-to-Head Comparison
| Feature | ADCB | Emirates NBD | Winner |
|---|---|---|---|
| Starting Rate | 6.25% | 5.99% | Emirates NBD |
| Max Loan | 20x salary | 20x salary | Tie |
| Processing Fee | 1% (min AED 1,050) | 1% (min AED 1,000) | Emirates NBD |
| Early Settlement | After 6 months | After 3 months | Emirates NBD |
Note: Rates vary by customer profile. Check your personalized rate estimate.
When to Choose ADCB
Need funds fast? Pre-approved customers get same-day disbursement
Salary <AED 15K? ADCB offers better rates for mid-income earners
When to Choose Emirates NBD
Want lowest rate? Best for salaries AED 20K+
Flexible repayments? No penalty for early settlement after 3 months
Not sure which suits you? Compare EMIs side-by-side with our UAE bank loan calculator.
Final Verdict
- Lowest rate: Emirates NBD (5.99%)
- Fastest approval: ADCB (24 hours)
Make the right choice: Enter your details in our Personal Loan Calculator UAE to see exact numbers for both banks.
Anas AlQahtani is a seasoned job consultant and content writer at IHAForum.ae, bringing over 10 years of experience in the UAE and Saudi job markets. Known for his practical guidance and industry insights, Anas helps job seekers make confident career choices while supporting employers in finding the right talent. His work at IHA Forum focuses on empowering candidates with clear, reliable, and actionable career advice.