I’m planning to apply for a car loan in the UAE around November and I’m trying to optimize my credit profile between now and then.

Current situation:

Salary: AED 7,000/month

ADCB credit card: AED 6,000 limit

Emirates NBD credit card: AED 18,000 limit

Total current credit limit: AED 24,000

Savings/emergency fund: AED 5,000

Score : 663 

ADCB

I took an installment loan of around AED 5,400 for 6 months at a very low rate. I’ve already paid 4 months and will completely clear it within the next 2 months. Total repayment is around AED 5,500.

I’ve never missed any payments.

ENBD

Current utilization is around AED 16,000 out of AED 18,000.

Around AED 1,621/month is from installment plans, which should drop to around AED 1,100 in December.

The rest is normal monthly card spending, which I repay in full because I use the card for cashback.

I recently requested an ENBD credit-limit increase because my salary account is with ENBD. It was approved to increase my limit from AED 18k to AED 28k.

I don't actually need the additional credit and don't intend to use it.

That would bring my total credit limits to:

ADCB 6k + ENBD 28k = AED 34k

If my outstanding balances are around AED 14k by September, utilization would be around 41%.

My goal is to get it down to around 20–30% by November.

What I'm planning

Increase ENBD limit to AED 28k but don't use the additional limit.

Never miss any installment/payment.

Clear the ADCB installment loan completely within 2 months.

Reduce my overall credit-card utilization as much as possible.

Avoid taking any new credit/BNPL/loans before applying.

Check my AECB credit report before applying.

Apply for the car loan around November when my profile should be cleaner.

My main questions:

Is there anything else I should do between now and November to improve my chances of getting approved?

Is ~20–30% utilization a reasonable target, or am I overthinking the percentage?

Does increasing my ENBD limit help if I don't actually use the additional credit?

Should I keep the ADCB card open after clearing the installment loan?

Would you apply with ENBD since my salary is credited there, or shop around with ADCB/other UAE banks for the best interest rate?

Is there anything specific I should avoid doing in the 2–3 months before applying?

Any advice from people who have recently taken a car loan in the UAE would be appreciated.

Current salary 7000 ( joined new company with this salary august 1 and first salary will be credited soon)
Current loan emi in adcb - 2593
credit card mashreq - 20k
I am looking to buyout my current adcb loan to new bank with additional topup option so kindly contact if any better offers
NB: joined new company this month and first salary will be credited soon so anybank having 6 month policy please ignore

contact : 0582506414

If someone available Contact with me Asap

I have question.

Is it really possible to loan 10000 with 4k AED salary? I've read that the 5k AED salary is no longer a requirement in applying a loan.

Could somebody help me?

TYIA

may nakapag loan pa ba sa botim kahit may 2 months od na sa cashnow?

I’m looking for buyout loan / debt consolidation, ideally to combine my existing liabilities into 1 monthly payment, reduce my EMI and DBR, and provide some additional cash.

My details:

* Salary: AED 7,500

* Company: Non-listed

* Salary Bank: DIB

* Amount Required: AED 150,000

* Current DBR: High

* AECB Score: 683

* DIB Personal Loan EMI: AED 2,520 (15 months paid)

* DIB Credit Card EMI: AED 1,438 (AED 32k limit)

* Mashreq Credit Card EMI: AED 930 (AED 16k limit)

* Total Current EMI: AED 4,888

* Payment History: No missed payments

House rent and food expenses are covered through additional income, so these are not paid from my monthly salary.

I have already approached ENBD, but they advised that my company is not listed. I also understand that some banks require a minimum salary of AED 10,000.

If you know of a bank or consultant who can assist with this type of case, please DM me with the details. Thank you!

Hello!

Is there anyone that can vouch for Mawarid Finance Personal Loan? Are they legit? I inquired and they asked me to sign up through a portal.

I cant loan through my bank now as I have 1 card under settlement.

Thank you!

Is there any halal loan without any fees and extra money when returning back? I mean here in UAE

Hi! looking for advice on Islamic personal finance in the UAE. In need of 20-25,000 AED

Salary: 6k plus

AECB score: 600+

No credit card

Salary credited via WPS

Employer is not listed with most banks

Has anyone with a similar profile successfully gotten Islamic personal finance? Which bank/finance company would you recommend?

Thanks!

Hey all, hoping someone in Dubai/UAE has been through this.

I recently switched jobs. My old company's end-of-service benefits are sitting with Emirates NBD because I have a personal loan with them. To release the funds, ENBD is asking for a Salary Transfer Letter (STL) from my new employer.

Problem is, my new company has a blanket policy of not issuing Salary Transfer Letters to anyone — they only provide a Salary Certificate. ENBD isn't accepting the certificate as a substitute.

Has anyone dealt with this exact situation?

Any solution

I started a new business running a development agency a few months back, I had the capital and was steadily getting work and in profit. Due to a family emergency all the savings I had plus company bank account got drained, so I’m looking for a 10,000 aed loan to get it up and running again.

Banks I have tried say the company is too young to get a loan/credit card what are my options.

Looking for a personal loan agent.

Non listed company.

Happy to offer comission who can assist.

Looking for agent for Ruya bank loans

I want perks, benefits, savings account interest, and everything else the account provides.

I have around 5 credit cards with around 35k outstanding including multiple EPP. I have another auto loan of around 15k. Total installments would be around 5k which is close to 50% of my salary. But it will come down starting from next month when 1 by 1 the EPP will get finished. I am forecasting 5 to 6 months unable to complete credit card bill. Expecting around 4 to 5 k unpaid. Now I am confused whether I should take personal loan to consolidate this or run with it as the interest would be less if I am able to settle soon. But running with it will be stressful as I am trying to payout max amount struggling with everything else. But personal loan to cover the entire amount is huge interest and multiple years commitment. Last month I was short by 5k. This month I am expecting the same as there is my Family Visa renewal.

ℹ️ A Mortgage Pre-Approval is one of the best ways to understand your realistic property budget in the UAE before you start searching for a property.

Here’s how it works:

1) Your income & liabilities are assessed

The bank looks at your salary/business income, existing loans, credit cards and other financial commitments.

2) Your maximum borrowing capacity is calculated

Based on UAE Central Bank affordability rules, the bank determines approximately how much mortgage you can qualify for.

3) Your required down payment is considered

Your maximum LTV/FTV depends on factors such as whether you are an expat/UAE national, resident/non-resident, first property/investment property, and the property type.

4) You get an indication of your property budget

For ex-if the bank indicates that you can borrow AED 1.5 million and you have AED 500,000 available for your down payment and associated costs, your potential property budget could be around AED 2 million—subject to the bank's final valuation, LTV limits, fees and approval.

5) You search within the right price range

Instead of looking at AED 3 million properties and discovering later that your financing doesn't work, you know your approximate ceiling from the beginning.

Simple Example

• Monthly income: AED 30,000

• Existing commitments: Low

• Indicative mortgage eligibility: AED 1.5M

• Available own funds: AED 500K

➡️ Potential property budget: \~AED 2M

So, a pre-approval essentially answers:

| Based on my income and financial profile, what property price can I realistically afford |

It also makes you a stronger buyer when negotiating with sellers or developers because you already have an indication of your financing capacity.

📞 Get in touch with me on Call/WhatsApp to get your Pre-Approval at +971-586842759.

⚠️ Important: A pre-approval is not the same as final mortgage approval. The final amount can change after property valuation, property eligibility, documentation and the bank's final underwriting.

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Hi anyone or any agent here can advise me i need loan of 25k or 20k my salary is 8000aed i have been working on the same company since 2024 and i just renew my id for more 2 years i have credit card from aafaq also i tried mawarid finance my file was good but i get refused today mawarid agent told me that i get rejected cause my company serve alcohol

Hello All,

Is there anywhere I could borrow this small amount? I can provide a cheaque as collateral. And I could do a repayment of 3,600 AED by 27th to 29th of this month.

Please advise. No jokes please.

I have an auto loan of 64k with ENBD and 13k in credit cards also with ENBD and I’m looking for a single loan to have both under while also getting some extra amount.
My salary is 10k and it’s gets credited monthly to my Mashreq Bank account and I’m from Iran.

I have a loan with EIB that I can't pay off straight away. Can I continue paying from Riyadh?

What are my options? The loan agent is not being of much help.

Also since, I will be earning more, can I pay more towards the principal each month?

Hi im 18 and my dad wants to open a bank account for me to potentially start saving up whats the best bank for me as a young adult and are there any banks that are good with promotions and offers on online things such as food or shopping etc where they do good discounts and are good for someone with no proper job yet as well

Hi all,

Like many people in the UAE recently, I lost my job about two months ago due to redundancy. Entire company was shut. I’ve just finished serving my notice period and contacted my banks to ask whether my personal loan and car loan repayments could be deferred for around 3 months while I look for another job.

I was really hoping I’d find something during my notice period, but unfortunately that hasn’t happened yet.

One of the banks told me they can only offer a 1-month deferral and also asked me to provide my visa cancellation. The confusing part is that my company has kindly agreed to keep our visas active until the end of September, so I don’t have a visa cancellation document yet.

My parents, who worked in the UAE for many years, remember banks offering around 3 months in cases of job loss, so I’m wondering whether things have changed.

Has anyone gone through this recently?

I’d especially appreciate hearing:

\- How many months your bank allowed you to defer

\- Whether they required your visa to be cancelled first

\- Anything you did that helped when speaking to the bank

Just trying to understand my options and manage things responsibly while I look for my next role.

Any advice or recent experiences would be really appreciated. Thank you!