ProviderRuya Community Islamic Bank
Ruya Community Islamic Bank Personal Finance
Eligibility unknownShariah-compliantPersonal LoansUnsecured finance for personal needs with fixed monthly payments.
Last verified Nov 11, 2026, 3:02 PM1 source behind these figures
Terms and conditions
| Pricing | |
| Minimum amount | AED 10,000.001 source
|
|---|---|
| Maximum amount | AED 1,000,000.001 source
|
| Rate type | Reducing balance1 source
|
| Interest rate (APR) | —No evidence recorded |
| Profit rate | 13.15% p.a.1 source
|
| Processing fee | 1.05% flat1 source
|
| Processing fee cap | AED 1,500.001 source
|
| Early settlement fee | 1.00% flat1 source
|
| Terms | |
| Salary transfer required | Yes1 source
|
| Processing time | 5 days1 source
|
| Shariah compliance | |
| Shariah structure | Murabaha1 source
|
| Profit rate basis | Reducing balance1 source
|
| Shariah board reference | RUYA-SSB-2026-0311 source
|
| Eligibility | |
| Minimum monthly income | AED 8,500.001 source
|
| Minimum age | 23 years1 source
|
| Maximum age at maturity | 60 years1 source
|
| Residency eligibility | Residents and UAE nationals1 source
|
| Eligible employer types | Private sector, Government1 source
|
| Minimum tenure | 6 months1 source
|
| Maximum tenure | 48 months1 source
|