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Free yourself from higher interest/profit rate payments with our Debt Consolidation Plan.

Ae masthead on debt consolidation plan

Free yourself from higher interest/profit rate payments with our Debt Consolidation Plan.

Debt Consolidation Plan with affordable monthly repayments

Get better control of your finances by consolidating all your debts into one simple personal loan/finance and free yourself from paying high interest payments.


Apply today and enjoy the benefits that come with being a valued Standard Chartered Bank Client.

Fees & Charges

Fees and charges are subject to change.All fees and charges listed are inclusive of 5% Value Added Tax (VAT), where applicable.

Processing fee 1.05% of the loan/finance amount

Min. AED 525 /Max. AED 2,625

Early redemption fee 1% of principle outstanding* plus AED 105 cancellation fee
Instalment deferment fee AED 105
*For Saadiq Personal Finance, any discount on the agreed murabaha price may only be provided at the discretion of the bank.
Please click here for more details on all other applicable fees and charges

Eligibility & Documents


  • UAE Residents working for companies approved by Standard Chartered
  • Minimum Salary: AED 30, 000 per month
  • Age:
    • Minimum Age: 21 years
    • Maximum Age: 65 years or company retirement age at loan maturity whichever is lower.
  • Proof of Retirement age in company required for any case where age > 60 years at the time of loan maturity.

    This could be mentioned on STL, employment Contract or a Company Letter.

Documents Required

Terms and Conditions


Personal Finance is granted at the sole discretion of Standard Chartered Bank as per its Terms and Conditions. Personal Finance application will only be processed after all the required documents have been received and are deemed to be correct and aligned with the Bank’s requirements.