Smaller instalments, more life!

Let us help you manage your debts and lower your instalments.

With ADIB Debt Settlement you can consolidate your liabilities for lower monthly installments to help you save more money and live a more balanced financial life.

On average, our debt settlement customer have been able to reduce their monthly instalments by 30%**
  • No processing fees, no hidden charges
  • A special profit rate
  • Up to 2 free instalment postponements in a year
  • 90-days instalment holiday for the first payment
  • Free pre-approved ADIB Visa Cashback Card for the first year

**Based on sample data of ADIB’s Debt Settlement customers generally holding multiple financing at higher rates.


  • Finance amounts up to AED 3 Million for UAE nationals and AED 1 Million for expatriates.
  • Competitive profit rates.
  • Flexible repayment terms up to 48 months.
  • Two yearly free instalment deferments.
  • First instalment payment grace period of up to 90 days.
  • Optional comprehensive personal finance Takaful coverage. Learn more
Terms and Conditions apply


  • Salary transfer is required.
  • Employees of approved list of employers in ADIB.
  • Minimum salary is AED 8,000.
  • Minimum age at time of application should be 21 years.
  • Maximum age at time of completion of finance tenor should be:
    • For UAE Nationals 65 years
    • For expatriates 60 years


  • Original and copy of valid passport (with valid residence visa for expatriates).
  • Original and copy of valid Emirates ID.
  • Liability certificate.
  • Fresh salary transfer letter / Salary certificate addressed to ADIB.
  • Three months bank statement (if salary not credited to ADIB).