Personal Loan for New Employees in UAE (2025)

Just started a new job in the UAE? You may still be eligible for personal loans even with limited job history. Here’s how to qualify and apply.

Eligibility for New Joiners

  • Minimum 1 month in current job
  • Employment contract or salary certificate
  • Minimum monthly salary: AED 4,000
  • Salary transfer to a UAE bank

Banks assess stability, salary, and employer reputation even if you're newly hired.

Top Loan Providers

  • Emirates Islamic – for government & semi-gov staff
  • FAB – for employer-listed companies
  • ADCB – for minimum 1-month salary transfer
  • Personal finance apps like Liv. and Mashreq Neo

Compare terms carefully and choose lenders who support short job tenures.

Apply Now

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