1. Emirates NBD – Personal Loans & Debt Consolidation
Emirates NBD continues to be one of the most frequently mentioned names for people seeking consolidation even with past missed payments. Their personal loan product allows combining multiple existing liabilities (credit cards, other bank loans, finance company balances) into a single facility, with amounts ranging from AED 10,000 to AED 2 million depending on income and profile, and terms extending up to 48–60 months.
The bank evaluates primarily the current salary inflow (especially when routed through an Emirates NBD account) and whether the new consolidated instalment reduces overall monthly outgoings. Applicants who have regularised recent payments, even if older entries show delays, often receive approval. Applications can be submitted fully online via the Emirates NBD app or website, with decisions typically returned within 24–72 hours and funds disbursed to the account shortly after signing.
2. First Abu Dhabi Bank (FAB) – Personal Finance & Restructuring
FAB maintains a relatively flexible stance toward applicants with imperfect credit files in 2026. Their personal finance offering supports consolidation of existing debts and additional cash needs, with facilities starting from AED 15,000 and reaching higher amounts based on documented income, and repayment periods of 12–60 months.
The institution focuses on present repayment capacity and the extent to which consolidation lowers the total monthly commitment. Cases where recent salary credits are consistent and older negative entries have been addressed frequently secure approval. The application process is largely digital through the FAB Mobile app or online portal, with most decisions communicated within 1–5 business days.
3. Abu Dhabi Commercial Bank (ADCB) – Personal Loans & Debt Relief Options
ADCB remains active in providing personal loans to individuals who have faced credit challenges in the past. The product accommodates consolidation of multiple obligations, with amounts from AED 10,000 upward and tenures of 12–60 months.
ADCB assesses current income stability and the impact of the new arrangement on overall debt servicing. Applicants who demonstrate regular salary deposits (particularly into an ADCB account) and have improved payment behaviour in recent months often move forward. Applications are processed online via the ADCB app or website, with many approvals completed within 48–96 hours.
4. Mashreq Bank – Neo Personal Loans & Quick Approvals
Mashreq’s digital-first Neo personal loan continues to attract attention in 2026 for its relatively streamlined approach toward applicants with mixed credit histories. The facility ranges from AED 5,000 to AED 2 million, with repayment periods up to 60 months.
The bank prioritises present income documentation and the potential reduction in monthly obligations after consolidation. Profiles showing steady salary credits and recent positive payment behaviour frequently receive positive outcomes. The entire process is completed digitally through the Mashreq Neo app, with decisions often returned within minutes to a few hours for smaller amounts.
5. RAKBANK – Digital Personal Loans & Consolidation Facilities
RAKBANK maintains a reputation in 2026 for considering applications from individuals carrying past credit issues. Their digital personal loan product supports consolidation and additional liquidity needs, with amounts starting from AED 10,000 and terms up to 48–60 months.
The lender evaluates current salary stability and the net reduction in monthly commitments after restructuring. Applicants who maintain regular account activity and have addressed previous delinquencies often secure approval. Applications are handled entirely online via the RAKBANK Digital app or portal, with many approvals processed within 24–72 hours.
Practical Steps Before Applying in 2026
Before submitting any request:
- Obtain a current credit report from Al Etihad Credit Bureau to understand exactly what lenders see.
- Calculate approximate debt-to-income ratio: total existing monthly obligations divided by net monthly income. A ratio below 50% significantly improves consolidation chances.
- Gather basic documents: Emirates ID, salary certificate (or bank statements showing consistent credits), passport copy if required.
- Avoid submitting applications to multiple lenders simultaneously—each credit enquiry is recorded and can affect the overall profile.
- If total debt feels unmanageable, consider contacting the Al Etihad Credit Bureau counselling service or a licensed financial advisor for formal restructuring guidance.
Living in Dubai or elsewhere in the UAE involves constant financial pressures, and accumulated debt can build quickly. Yet in 2026, doors have not closed entirely for individuals with regular income who seek to reorganise their obligations. These institutions illustrate that consolidation or fresh facilities remain possible when the new arrangement genuinely reduces monthly strain and repayment is realistic.
Always verify the latest terms directly on the official websites or through the respective mobile apps—interest rates, eligibility criteria, and processing times are subject to change in line with Central Bank regulations and market conditions.