Knowledge hub
Personal Loan Request
Apply for a Personal Loan without visiting the branch!
Have you ever imagined a world where you could apply for a personal loan without stepping into a bank? With our mobile banking app, you now can! Once your request is approved, the amount will be deposited into your account immediately!
Apply for your Personal Loan Now!
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Tap on "Loans" from the bar at the top of the home screen
Tap on "Request loan +"
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Authorize the bank to inquire about you on the CRIF system
Read the terms and conditions carefully, then tap on "Agree" to continue.
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Complete the verification process
For added security, you will be asked to enter the verification code you receive via SMS. Once you enter the code, tap on "Continue", If you don’t receive a code or if the code doesn’t work, tap on "Send code again".
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Answer work related questions
Select your employment type, business line, position and sector. Then, enter the name of the company you work at and the date you started.
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You will be directed to the “Income Information” screen
Enter your net salary , then specify if you have another source of income and tell us if your salary is transferred to Bank al Etihad or will be.
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You will be directed to the “Other financial commitments” screen
You will be asked if you have any other financial commitments. If you answer "Yes" , a list of questions will appear for you to answer. If you don’t have other financial commitments, answer "No" then tap on "Continue".
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If you meet the eligibility criteria, you will be directed to the “Personalise” screen
You will find the eligible borrowing amount and the corresponding interest rate. From there, you can choose to borrow the full amount or a portion of it. Then, you will be asked to select the first payment date , then tap on "Continue".
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Select the account you want to deposit the money into, then tap on "Continue"
You will be directed to the “Review” screen.
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Review the details of your request carefully
Check the payment schedule and tap on "Continue".
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Upload the required documents
After your uploads are complete, tap on "Continue".
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You will be directed to the “Contract“ screen
Read the contract carefully, download it if you want a copy, and then tap "Continue".
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Your request has been submitted successfully
The amount will be deposited into your account once the request is approved and the procedures are completed.
Top up your Personal Loan
1/11
Tap on “Loans” from the bar at the top of the home screen
Pick the loan you want to top-up and then tap on “Top up loan”.
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Authorize the bank to inquire about you on CRIF system
Read the terms and conditions carefully then tap “Agree” to continue
3/11
Complete the verification process
For added security, you will be asked to enter the verification code you receive via SMS. Once you enter the code, tap on "Continue", If you don’t receive a code or if the code doesn’t work, tap on "Send code again".
4/11
Answer work related questions and tap “Continue”
Select your employment type, business line, position and sector. Then, enter the name of the company you work at and the date you started.
5/11
You will be directed to the “Income information” screen
Enter your net salary , then specify if you have another source of income and tell us if your salary is transferred to Bank al Etihad or will be.
6/11
You will be directed to the “Other financial commitments” screen
You will be asked if you have any other financial commitments. If you answer "Yes" , a list of questions will appear for you to answer. If you don’t have other financial commitments, answer "No" then tap on "Continue".
7/11
If you meet the eligibility criteria, you will be directed to the “Personalise” screen
Specify the desired increase in the loan balance, the first installment date and the repayment period, then tap "Continue"
8/11
Review the details of your request carefully
After reviewing your request details, verify the repayment schedule and then tap "Continue".
9/11
Upload the required documents.
After your uploads are complete, tap on "Continue".
10/11
You will be directed to the “Contract“ screen
Read the contract carefully, download it if you want a copy, and then tap "Continue".
11/11
Your request has been submitted successfully!
The amount will be deposited into your account once the request is approved and the procedures are completed.
Track your Personal Loan Application
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Tap on "Loans" from the top bar on the main screen
You will be directed to a screen showing all your loans.
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Scroll down to the "Pending Loan Applications" section
Here, you can track the progress of your requests. Each request has a status bar below it. When you submit a request, its status will be "In progress". If any documents are missing, the status will be "Documents required". If the status is "Verify information", you need to review the information you provided, and resubmit the request.
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Your request is completed
Once your request is approved, the status will be updated to "Completed". Sometimes, requests may be rejected.
Sign up now without fees
Manage your money anywhere, with secure mobile banking. Simply enter your mobile number and we’ll text you a download link so you can get it from the app store.
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