Powered by Smartsupp Capital Digital Loans - Flexible Financing Solutions
Home
Business Banking
Personal Banking
Credit Cards
Loans
Customer Support
Call
Chat
Locate
LOAN SOLUTIONS

Get the Financing You Need, Your Way

From personal dreams to business ambitions, Capital Digital offers competitive loan rates with flexible repayment terms. Quick approval, transparent fees, and dedicated support.

Apply Now Calculate Payments

3.9%

Starting APR

24h

Approval Time

AED 500k

Max Loan Amount

Loan Solutions
Fast Approval
As quick as 24 hours
Low Rates
From 3.9% APR
Flexible Terms
Up to 7 years
OUR LOANS

Find the Perfect Loan for Your Needs

Whether you're consolidating debt, funding a project, or making a major purchase, we have the right solution.

Personal Loan

Flexible financing for any personal need - weddings, travel, medical expenses, or debt consolidation.

4.5% - 9.9% APR
AED 5k - 250k
  • No collateral required
  • Fixed monthly payments
  • Flexible terms: 1-5 years
  • Funds in 24-48 hours
Apply Now

Home Mortgage

Finance your dream home with competitive mortgage rates and expert guidance throughout the process.

3.9% - 5.5% APR
AED 100k - 5M
  • Up to 25-year terms
  • Fixed or variable rates
  • Up to 80% financing
  • Free property valuation
Get Pre-Approved

Auto Loan

Drive away in your dream car with competitive auto financing for new and used vehicles.

3.5% - 6.5% APR
AED 20k - 500k
  • New & used vehicles
  • Terms up to 7 years
  • 100% online application
  • Pre-approval in minutes
Calculate Payment

Business Loan

Fuel your business growth with flexible financing options for expansion, equipment, or working capital.

5.5% - 11.9% APR
AED 50k - 2M
  • Startups & established businesses
  • Flexible repayment schedules
  • Collateral options available
  • Dedicated business advisor
Fund My Business

Education Loan

Invest in your future with student loans for local and international universities and training programs.

4.0% - 7.5% APR
AED 10k - 300k
  • Deferred payment options
  • Covers tuition & living expenses
  • Local & international studies
  • Grace period after graduation
Apply for Student Loan

Debt Consolidation

Simplify your finances by combining multiple debts into one manageable monthly payment.

5.9% - 12.9% APR
AED 10k - 150k
  • Lower overall interest
  • Single monthly payment
  • Credit card debt payoff
  • Improve credit score
Consolidate Now
HOW IT WORKS

Simple 4-Step Application Process

Getting a loan with Capital Digital is quick, easy, and completely transparent.

1

Check Eligibility

Use our online tool to see your personalized loan options and rates in minutes.

2

Apply Online

Complete our simple digital application - no paperwork, no branch visit required.

3

Get Approved

Receive a decision within 24 hours in most cases. Upload documents securely online.

4

Receive Funds

Get your money deposited directly to your account within 1-2 business days.

CALCULATOR

Advanced Loan Calculator

Adjust the sliders to see how different loan terms affect your monthly payments.

5,000 250,000
12 months 60 months
4.5% 9.9%
500,000 5,000,000
10% 50%
5 years 25 years
20,000 500,000
0% 50%
1 year 7 years

Your Payment Plan

AED 1,532

Monthly Payment

AED 5,152
Total Interest
AED 55,152
Total Payment

Rates vary based on credit profile

No prepayment penalties

COMPARE

Loan Features Comparison

See how our loan products stack up against each other to find your perfect fit.

Loan Comparison

Loan Type
Personal Loan
Home Loan
Auto Loan
Interest Rate (APR)
4.5% - 9.9%
3.9% - 5.5%
3.5% - 6.5%
Loan Amount
AED 5k - 250k
AED 100k - 5M
AED 20k - 500k
Loan Term
1 - 5 years
5 - 25 years
1 - 7 years
Collateral Required
No
Yes (Property)
Yes (Vehicle)
Processing Time
1-3 days
7-14 days
1-3 days
Prepayment Penalty
None
None
None
ELIGIBILITY

General Loan Requirements

To qualify for a loan with Capital Digital, you'll need to meet these basic criteria.

Personal & Auto Loans

Age Requirement

Minimum 21 years old, maximum 65 years at loan maturity

Minimum Income

AED 5,000 per month for UAE nationals, AED 8,000 for expatriates

Employment Status

Minimum 6 months with current employer for salaried individuals

Credit History

Good credit score (650+ preferred). We consider all profiles.

Home & Business Loans

Down Payment

Minimum 20% for UAE nationals, 25% for expatriates (first property)

Documentation

Salary certificate, bank statements, passport/Emirates ID, property documents

Debt-to-Income Ratio

Maximum 50% of monthly income can be allocated to debt payments

Property/Business Type

Approved property developments or registered business entities

APPLY NOW

Start Your Loan Application

Complete this simple form and our loan specialist will contact you within 24 hours.

Your information is secure and encrypted

QUESTIONS?

Loan Frequently Asked Questions

Get answers to common questions about our loan products and application process.

What is the maximum loan amount I can apply for?

Maximum loan amounts vary by loan type: Personal loans up to AED 250,000, auto loans up to AED 500,000, and home mortgages up to AED 5,000,000. The exact amount you qualify for depends on your income, credit history, and debt-to-income ratio. Business loans can go up to AED 2,000,000 based on business financials.

How long does the loan approval process take?

Personal and auto loan applications are typically processed within 24-48 hours. Home mortgages take 7-14 days due to property valuation and additional documentation requirements. Business loans may take 5-10 business days. Once approved, funds are usually disbursed within 1-2 business days for personal/auto loans and 3-5 days for mortgages.

What documents do I need to apply for a loan?

Basic requirements include: Emirates ID/passport copy, salary certificate (for employed individuals), 3-6 months bank statements, proof of address, and for specific loans: property documents (mortgage), vehicle registration (auto loan), or business registration documents (business loan). Self-employed individuals need additional documents like audited financials and trade license.

Can I get a loan if I have a low credit score?

Yes, we consider applicants with various credit profiles. While a good credit score (650+) gets you better rates, we have options for those with lower scores. You might need to provide additional documentation, offer collateral, or accept a slightly higher interest rate. Our loan specialists can guide you through options to improve your approval chances.

Are there any hidden fees or prepayment penalties?

No hidden fees and no prepayment penalties! We're transparent about all costs: 1% processing fee (capped at AED 2,500), mortgage registration fees for home loans, and standard insurance costs where applicable. You can pay off your loan early without any penalties, potentially saving on interest costs.

Can I apply for a loan as an expatriate living in the UAE?

Yes, expatriates can apply for most loan types. Requirements include: valid UAE residence visa with at least 6 months validity, minimum monthly income of AED 8,000 for personal loans, and employment with current company for at least 6 months. Home mortgages for expats typically require a higher down payment (minimum 25% vs 20% for UAE nationals).

Still have questions? Our loan specialists are ready to assist you.

Call Loan Specialist

Ready to Move Forward with Your Loan?

Take the next step toward achieving your financial goals. Apply today and get a decision within 24 hours.

Apply Now Speak to Advisor
Secure Application

256-bit SSL encryption protects your data

Quick Decision

Get a response within 24 hours

No Obligation

Checking rates won't affect your credit score