Minimum Salary
5.000,00 د.إ
Flat Rate
3.69%
Reducing Rate
AED 4.56%
Maximum Term
5 Years
Monthly Payment
AED 18,000
ADCB’s auto financing offers market-leading rates and flexible terms, with flat rates starting from 1.99% p.a. and reducing rates from 3.65% p.a., financing up to 80% of the vehicle value for tenures up to 60 months.
Interest Rates and Financing Terms
ADCB car loans are available under two rate structures:
Flat Rate of Interest: starting from 1.99% per annum
Reducing Rate of Interest: starting from 3.65% per annum
Eligibility Criteria
Down payment: at least 20% of the car’s value
Detailed Schedule of Fees and Charges
| Fee Type | Amount |
| Processing fee | 1.05% of loan amount – minimum AED 525 |
| Early/partial settlement fee | 1.05% of settled amount |
| NOC to Traffic Department | Free |
| Replacement of post-dated cheques | AED 105 |
| Advance payment of installment | 1.05% of the advanced amount |
| Change of due date | AED 52.50 |
| Loan rescheduling fee | AED 262.50 |
| Late payment penalty | 2.10% of delayed amount – min AED 52.50, max AED 525 per month |
| Loan liability letter | AED 63 (AED 0 for Excellency customers; waived if settlement due to accident/theft) |
| Release of term deposit pledged | Free |
| Installment deferment | AED 105 per deferment |
| Cancellation fee | AED 105 |
All fees subject to ADCB’s Service and Price Guide
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