Personal Finance for Emiratis

Personal Finance for all your needs

With Emirati exclusive benefits

Up to AED 3M

High finance amount

Up to 120 days

Payment holiday

Competitive profit rates

& fast approvals

Access to funds when you need them

A solution for planned or unexpected expenses, renovating your home, higher education, a dream wedding or any other need. Mashreq Al Islami Personal Finance for Emiratis is the answer to anything that needs additional funds.

The perfect finance for UAE Nationals

Our Personal Finance for Emiratis offers high finance amounts at attractive profit rates and up to 120 days of upfront payment holiday. We aim to provide Personal Finance within 24 hours with a host of other benefits.
Flexible Tenure
Enjoy attractive tenures of up to 48 months and up to 60 months for Ministry of Defence employees.
Top Up Facility
For those who already have existing finance, we provide a convenient top up facility to get additional funds
Online Access
Access to Online and Mobile Banking anytime, anywhere.


Minimum monthly income
AED 10,000
Company Approval Status
Employer must be a part of the approved list of companies with Mashreq.
Salary Transfer
It is mandatory to transfer your salary in order to qualify.
Other requirements
Debt to Income Ratio should not exceed 50% of the monthly salary. Long-term loan origination should be prior to May 2011.
Finance Calculator

Feel free to play around with the calculator

Finance amount


AED 1,000

AED 5,000,000

Profit rate


2.99 %

36 %

Pay back over how many months?


3 months

300 months

For better decisioning you can also compare various finance

Finance Comparison Calculator

Monthly Installment


Terms & condition will apply. Actual installments may differ.

You will need

A copy of valid Passport & original Emirates ID
Salary Transfer Letter from employer (Mashreq format) or Salary Certificate for Government / Semi-Government companies
Last 3 months' bank statement with salary credits / UAEFTS consent for bank statement.

Apply for a Mashreq Personal Finance for Emiratis today and make your dreams come true.

Still got questions?

You can use proceeds of a Mashreq Personal Finance for all your planned and unexpected needs: For example: 1. Consolidate debts, such as combining multiple credit cards or other debts into one finance 2. Plan a vacation with family / friends 3. Renovate your home 4. Plan that grand wedding 5. Fund self / child’s education needs 6. Attend to medical needs 7. Invest in lucrative opportunities 8. Interim Needs 9. Property purchase in your Home Country / Overseas*

* As per the UAE Central Bank Guidelines, if a customer is availing a home finance in the UAE, for a UAE property, the customer cannot avail a Personal finance to fund the down payment of the property purchase

The proceeds of the Mashreq Personal Finance for Emiratis will be credited to your Mashreq / Mashreq Al Islami bank account. In certain buy-out or debt consolidation cases, as per your instructions, the payment will be made to another bank / financial institution.
EMI (Equated Monthly Installment) is calculated based on the total amount of your finance, the finance tenure, first due date and the annual reducing profit rate.
With a Mashreq Personal Finance for Emiratis, you enjoy following additional benefits: 1. Zero balance current account for personal finance greater than or equal to AED 25,000 along with Cheque Book facility and a Debit card 2. Access to wide ATM and Branch network 3. Access to award winning Online and Mobile Banking services 4. Bundled Propositions and Special Campaigns Installment Deferment Option
The 1st due date of EMI payment is linked to your salary credit date & should be within 120 days of the finance disbursal date.
Installment deferments are not guaranteed. You can request up to 1 deferment in a calendar year subject to Bank's approval. The bank has the right to accept or decline the request.
Yes, to get Personal Finance for Emiratis, you need to transfer your salary to Mashreq.
No, you don't need to keep any assets as a security against your finance.
Minimum monthly salary of AED 10,000 Salary needs to be transferred to Mashreq Employer needs to be part of the approved list of companies with Mashreq The finance installment along with the overall regular monthly installments should not exceed 50% of the monthly salary Terms and conditions apply
Now that you have decided to avail a Mashreq Personal Finance, you may walk into a nearest Mashreq branch; alternatively you can call us on 04-424 4444 or apply online at or send a SMS “UAEN” to 4250 and our bank representative shall guide you further.
Mashreq offers Personal Finance up to 20 salary multiples, max AED 5 million.
Upfront costs related to a Personal Finance are Processing fees and Trade fee. Takaful fee is charged on a monthly basis along with EMI as per the Schedule of charges.
The minimum tenure for Personal Finance is 6 months and the maximum tenure is 48 months. For employees of Ministry of Defense the maximum tenor is up to 60 months.
Our profit rates are competitive. For Islamic personal finance, a flat rate and an equivalent reducing rate is shared before you apply. The finance is always set up on a reducing rate. To know more about this get in touch with our bank representative.

Simply download the Mashreq Mobile App to apply

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