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Samaa Finance PJSC Personal Loan

Minimum Salary
0,00 د.إ

Description

Samaa Finance PJSC, a UAE-based nonbank finance company, offers unsecured personal loans with reducing-balance profit rates from 11.75% to 24% p.a., loan amounts from AED 5,000 to AED 200,000, tenures up to 36 months, and minimal documentation. Benefits include rapid approval, flexible repayment options, and low upfront fees.

Features

  1. Profit Rates and Loan Amounts
  • Reducing-Balance Profit Rates:75%–24% p.a., varying by salary band, employer rating, and tenure.
  • Loan Amounts:
    • Minimum: AED 5,000
    • Maximum: AED 200,000
  • Tenure: 6–36 months

 

  1. Eligibility Criteria
  • Age: 21–60 years.
  • Residency: UAE Nationals, GCC nationals, UAE-residence-visa holders.
  • Minimum Salary: AED 5,000 per month credited to any UAE bank account.
  • Employment: Minimum 3 months continuous service with current employer.
  • Credit Bureau: Consent to Al Etihad Credit Bureau check; acceptable credit history required.

Schedule of Fees and Charges

Fee Type Charge
Processing Fee 1.5% of loan amount (Min AED 150, Max AED 1,000)
Early/Partial Settlement Fee 2% of settlement amount
Late Payment Penalty AED 50 per missed instalment (Max AED 200)
Cheque Bounce Fee AED 100 per bounced cheque
Loan Cancellation (Pre-disbursement) AED 100
Duplicate Statement AED 25 per statement

 

Documents Required

  • Completed Samaa Finance personal loan application.
  • Passport copy (and UAE residence visa for expats).
  • Emirates ID copy.
  • Salary certificate or salary transfer letter (issued within 30 days).
  • Last 3 months’ bank statements.
  • Post-dated cheques covering instalments.

Additional Info

  • Fast Turnaround: Loan decisions within 30 minutes; disbursement within 24–48 hours.
  • Minimal Documentation: Unsecured loans with streamlined process.
  • Flexible Repayment: Choice of monthly or bi-monthly instalments.
  • Debt Consolidation: Combine multiple small debts into one facility.
  • Online Management: Mobile app for repayment schedule and balance enquiries.
  • Competitive Pricing: Competitive rates for micro-ticket loans.
  • Customer Support: Dedicated call center and branch network in key emirates.

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