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.
