Sep 22, 2025

Applying for a personal loan in the UAE can be a smooth process — if you have the right documents in hand. Banks in the Emirates are very particular about paperwork because it helps them verify your identity, employment, income, and financial stability. In some cases, these documents also need to be attested or translated to be officially recognized.

Here’s a complete guide to help you prepare.

Essential Documents for a Personal Loan in the UAE

1. Identity Proof

Copy of Passport (with valid residence visa page)
Emirates ID copy

2. Employment & Income Proof

Salary Certificate (issued by your employer, often attested if required by the bank)
Employment Contract (attested by the Ministry of Labour / Free Zone Authority)
Payslips (last 1–3 months, stamped by employer)

3. Financial History

Bank Statements (last 3–6 months, stamped by the bank)
Liability Letters (if you have existing loans or credit cards, confirming balances and liabilities)

4. Residence Proof

Tenancy Contract / Utility Bill (sometimes requested to verify address, may need attestation if used officially)

5. Other Supporting Documents (case-specific)

Trade License (for self-employed applicants)
Marriage Certificate (if applying for joint loans, must be attested if issued abroad)
Educational Certificates (rare, but may be needed for professional loans — attested copies required)

What Attested Documents Are Required for a Personal Loan in the UAE?

Applying for a personal loan in the UAE is straightforward when you know what’s required. Along with your standard paperwork, banks may insist on attested documents to ensure everything is legally recognized.

1. Salary Certificate

Issued by your employer on company letterhead.
May need to be attested by the Ministry of Human Resources & Emiratisation (MOHRE) or Free Zone Authority, and sometimes legalized by the UAE Ministry of Foreign Affairs (MoFA) if used abroad.
Essential for proving your income level and repayment capacity.

2. Employment Contract

Confirms your position, employer, and salary package.
Needs attestation by MOHRE or relevant Free Zone authority.
For expatriates, this is one of the strongest proofs of stable employment.

3. Bank Statements (Stamped & Verified)

Usually for the last 3–6 months.
Must carry the official stamp/seal of your bank (considered a form of attestation).
Shows your salary transfers and financial history.

4. Tenancy Contract / Ejari (if requested)

Sometimes banks require proof of residence.
Tenancy agreements or Ejari certificates in Dubai must be attested by the Ejari system / Land Department.

5. Civil Certificates (Case-Specific)

Marriage Certificate – required if applying jointly or as part of dependent sponsorship. Must be attested by MoFA if issued abroad.
Educational Certificates – rarely needed for personal loans, but some banks may request attested qualifications for professional loans or high-value facilities.

Why Attestation & Translation Matter

Banks in the UAE are strict when it comes to authenticity. Any document that isn’t properly legalized can delay or even block your loan approval. For example:

A salary certificate issued abroad must be legalized by the UAE Embassy in that country and then attested by MoFA in the UAE.
Marriage or tenancy contracts may require attestation if used as supporting documents.
Non-English/Arabic documents must be translated by a certified translator.

Final Thoughts

Applying for a personal loan in the UAE doesn’t have to be stressful. With the right documents — properly attested and translated — the process can be completed quickly.

And this is where we step in.

Quick Pro: Your Trusted Partner in Loan Documentation

At Quick Pro, we help you with every step of the process:

Attestation of salary certificates, contracts, and supporting documents
Certified translations into Arabic or English
Complete legalization support with MoFA and embassies

With Quick Pro by your side, you can focus on your financial goals while we handle the paperwork.

Blog