Last Updated on July 26, 2025
If you’re thinking about pursuing higher education in the United Arab Emirates (UAE) and need financial support, this guide is for you. Below, I’ll explain why many students and families consider a student loan in Dubai, outline who is eligible for a student loan in UAE, compare bank options, and highlight university‑facilitated loans.
Why you might consider a student loan in Dubai
You might already know that Dubai has become a regional hub for world‑class degrees. Tuition here is often more affordable than in the U.S. or Europe, but it can still be a challenge to pay everything up front.
That’s why many families and students like you turn to a student loan in Dubai or a student loan in UAE to cover tuition, accommodation and other expenses. To get one, you generally need to be a UAE national or resident, meet a minimum salary requirement and maintain good credit.
What you need to qualify for student loans in the UAE
To qualify for a student loan in UAE, most banks ask that you or your parent be between 21 and 65 years old, hold UAE residency or citizenship, and earn a monthly salary—usually between AED 7 000 and AED 10 000.
The Central Bank also caps personal loans at 20 times your monthly income. Repayment terms usually range up to 48 months, so you need to plan for that commitment when considering a student loan in Dubai.
Here’s a quick table to help you compare key points. This table only lists phrases and numbers; you’ll find more detailed descriptions in the text.
| Bank | Key features | Basic eligibility |
|---|---|---|
| Abu Dhabi Islamic Bank (ADIB) | Up to AED 250 000; 48‑month repayment | Age ≥ 21; salary ≥ AED 8 000 |
| Union National Bank (UNB) | Up to 20× salary; postponement options | Salary ≥ AED 5 000 |
| Mashreq Bank | Up to AED 200 000; Islamic financing | Salary ≥ AED 7 000 |
| NBAD | Competitive products; details vary | Resident; age 21–24 (students) |
| SimplyLife | Low pricing; scholarship perks | Salary ≥ AED 5 000 |
| ADCB | Up to AED 250 000; credit life insurance | Salary ≥ AED 8 000 |
Documents you should prepare
When you apply for a student loan in Dubai, be ready with your passport and visa copies, Emirates ID, salary certificate, recent bank statements (usually covering 3–6 months), and a university quotation or admission letter. Some banks may ask you for a security cheque.
How universities can help you get a student loan in UAE
Did you know that universities often assist students in securing finance? If you’re at a university like UAEU, ADU or AUE, you can speak to their financial aid department.
They’ll provide guidance and a formal letter or quotation to help you obtain a student loan in UAE. Some universities also offer discounts or scholarships that reduce the amount you need to borrow.
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UAE University (UAEU): If you’re from a low‑income family, there’s a dedicated office that can help you with financial aid and connect you to banks.
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Abu Dhabi University (ADU): Here, you can get tuition discounts based on performance and guidance on bank loans if you need a student loan in Dubai.
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American University in the Emirates (AUE): This university offers scholarships and can help you secure funding while encouraging you to take up part‑time work.
Steps for applying for a student loan in Dubai
To make it easier for you, here’s a straightforward process you can follow if you decide to apply:
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Collect your documents: Gather your passport, Emirates ID, visa, salary slips, bank statements and the official fee quotation from your university.
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Check that you qualify: Confirm that you meet the salary, age and residency criteria of the bank you’re applying to.
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Compare options: Look at interest rates, repayment terms and fees for each student loan in UAE.
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Submit your application: Apply online, by phone or in person. Make sure your documents are complete to avoid delays.
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Work with your university if needed: Don’t hesitate to ask your university’s financial aid office for help; they often have arrangements with banks to facilitate your student loan in Dubai.
Conclusion
Choosing a student loan in Dubai or a student loan in UAE can be a smart way to invest in your education without draining your family’s savings.
By understanding the eligibility requirements, preparing the right documents, and exploring both bank and university support, you’ll be better equipped to secure the funding you need.
The process may seem complex, but with the right preparation, you can make your dream of studying in Dubai a reality.
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