FAB New to Country Loan
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FAB New to Country Loan—For Newly Arrived Expats in the UAE

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You just landed in the UAE. New job, new city, new everything. But your first salary is still weeks away, and you need cash for rent, furniture, or your family’s visa costs. You don’t have a UAE credit history yet. Most banks won’t even look at you.

That’s exactly the gap FAB’s New to Country Loan fills. It’s designed for expats who have just moved to the UAE and don’t have the six months of local banking history that most lenders demand. You can borrow up to AED 600,000 with hassle-free documentation — no long track record required .

Safety Note: UAEfinbiz is an informational guide only and does not have access to your FAB account or personal information. Never share your Emirates ID, salary certificate, bank statements, or OTP with any third-party website or individual claiming to process loans. Always apply directly through official FAB channels. For verified information, visit the official FAB website at www.bankfab.com. Verify all terms, rates, and fees directly with FAB before signing any agreement.

What Is the FAB New to Country Loan?

The FAB New to Country Loan (also called the New to Employment Loan) is a personal loan product for newly arrived expatriates who have recently started a job in the UAE. It recognises that you don’t have a local credit file yet — and it doesn’t penalise you for that.

The key difference from FAB’s standard loans is the documentation requirement. You don’t need to prove six months of UAE salary credits. You don’t need to show a long banking relationship. You just need your job offer, your visa, and your salary certificate .

Who Is Eligible?

FAB keeps the requirements straightforward for new arrivals :

  • You must have a valid UAE residence visa and Emirates ID
  • You must be employed with a confirmed job offer or employment letter
  • Your salary certificate must be addressed to FAB
  • You must be 21 years or older
  • Your employer should be a legitimate organisation (government, semi-government, or reputable private company)

The exact minimum salary isn’t listed on the New to Country page, but FAB’s standard personal loan requires AED 7,000 per month . Expect a similar threshold.

Documents Required — Simple and Fast

This is where the New to Country Loan stands out. You need just three core documents :

  1. Copy of your valid passport, residence visa, and Emirates ID (originals must also be presented)
  2. Salary transfer letter or salary certificate addressed to FAB
  3. Signed and completed application form

That’s it. No three-month bank statements. No six-month employment proof. The paperwork is deliberately minimal because FAB understands you just arrived.

How Much Can You Borrow?

You can borrow up to AED 600,000 through the New to Country Loan . The exact amount depends on your salary, employer, and FAB’s credit assessment.

The Central Bank of the UAE caps personal loans at 20 times your monthly salary, so your borrowing capacity is tied to your income. But for a newly arrived expat, AED 600,000 is a generous ceiling — enough to cover rent deposits, furniture, family visa costs, or a car.

What About Interest Rates?

FAB doesn’t publish a specific rate for the New to Country Loan on its website. Your rate will depend on your salary, employer, and whether you transfer your salary to FAB.

For reference, FAB’s standard personal loan rates start from 4.70% fixed for UAE Nationals and 5.44% fixed for Expats with salary transfer and a FAB credit card . The New to Country Loan will likely fall within a similar range, though it may be slightly higher given the higher risk profile of new arrivals.

Pro tip: Transferring your salary to FAB will almost certainly get you a better rate. If your employer allows it, set up salary transfer before you apply.

How to Apply

Step 1: Gather your documents
You need your passport, visa, Emirates ID, salary certificate, and completed application.

Step 2: Apply through FAB
Apply online at bankfab.com, through the FAB Mobile app, or at any FAB branch.

Step 3: Get your offer
FAB will review your application and give you an offer with your rate, amount, and tenure.

Step 4: Receive funds
Once approved, funds are disbursed to your FAB account.

Frequently Asked Questions

What is the FAB New to Country Loan?

It is a personal loan designed for newly arrived expatriates in the UAE. It requires minimal documentation and doesn’t demand a long local credit history. You can borrow up to AED 600,000.

How much can I borrow with the FAB New to Country Loan?

You can borrow up to AED 600,000, subject to FAB’s credit assessment and Central Bank regulations.

What documents do I need for the FAB New to Country Loan?

You need a copy of your valid passport, residence visa, and Emirates ID (originals also required), a salary transfer letter or salary certificate addressed to FAB, and a signed application form.

Do I need a UAE credit history for this loan?

No. The New to Country Loan is specifically designed for expats who have just arrived and don’t have an established UAE credit history.

What is the minimum salary for the FAB New to Country Loan?

FAB doesn’t publish a specific minimum for this product, but its standard personal loan requires AED 7,000 per month. Expect a similar threshold.

How long does approval take?

Approval times vary, but with minimal documentation, it can be faster than a standard personal loan. Applying through the FAB Mobile app or online may speed up the process.

Can I get this loan without salary transfer?

The New to Country Loan typically requires salary transfer to FAB. This helps FAB assess your income and reduces risk. Without salary transfer, your options may be limited.

What is the repayment tenure?

FAB personal loans typically have a maximum tenure of 48 months, in line with Central Bank regulations.

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