Loans
Explore from a wide range that suits your needs at an affordable rate
We strive to provide financial assistance to everybody who needs it. Our loans come with a hassle-free and easy application process.
Loan calculator
Calculate your monthly payments
Effective rate: 3.99% p.a. (reducing). Terms and conditions apply. Interest rates vary by tenor and are subject to bank policy.
Know more about Home loansMonthly payment
د.إ 21,286
Total payment
د.إ 255,436
Borrow wisely
Estimates only. Your actual rate and repayment terms depend on your application and creditworthiness.
Financing options
All loans
Browse personal and business financing options, each with its own terms, eligibility, and required documents.
Personal loan with extra benefits
Get a new or top up your personal loan with attractive interest rates
Fast approval with minimal documentation
Attractive, fixed interest rates
Flexible repayment tenure of up to 5 years
Home loans
Unlock the doorway to your dream home
Financing for ready and off-plan property
Up to 65% of property value
Repayment terms of up to 25 years
Auto loans
Your choices are limitless with our auto loan offers
Minimal documentation with no requirement for Salary Certificate and Driving License
Easy financing of used vehicles with age up to 12 years
Enhanced loan multiples
Why should you get a loan with EmirateFicancent?
Lower interest rates
Compared to market offerings
Debt consolidation
Lighten your monthly payments with our One Pay feature
Free insurance
Free insurance to cover your outstanding in case of an eventuality
Easy top-up
Get additional funds easily with our loan top-ups
Real financing, real outcomes, wherever you're applying from
We used the financing to acquire our new office space in Dubai. The rates were competitive and the loan calculator on the site let us plan our repayments before we even applied.
Hassan Al Marri
Commercial Property Loan
I financed my car entirely online while still based in Amsterdam. The rates were clear upfront and there were no surprises once the contract arrived.
Sophie van der Berg
Auto Loan
Sourcing equipment financing as an overseas applicant is usually painful. EmirateFicancent's process was clear from the start, and their team was responsive across time zones.
Chen Wei Ling
Manufacturing Equipment
Getting working capital approved from outside the region is usually where things fall apart. Here, the underwriting team worked with our numbers and closed within a couple of weeks.
Rachel Bennett
Merchant Loan (POS)
Comparing loan types side by side on the site made it easy to see which product actually fit what I needed, rather than guessing based on a generic product page.
Omar Al Hashimi
Loan Against Fixed Deposit
Built on trust
Regulated, transparent, and here for the long run
Frequently asked questions
Support
How can we help?
Early loan settlement
Partial loan settlement
Are you struggling financially?
Defer your loan payments
Repaying your loan
Restructure your loan
Our accessible and inclusive lending services
Have a question? Visit our Help & Support section for answers to your queries.
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