ADCB Car Loan Calculator | Auto EMI Loan UAE

Are you looking for the best interest rate for buying a new car, upgrading your old car, or taking out a car loan in the UAE? ADCB Auto Loan Calculator gives you an accurate estimate of your monthly installment (EMI), total interest, and cost of loan in just 2 minutes!

As the most trusted bank in the UAE, ADCB offers car loans to eligible customers at an annual interest rate of 4.99%. Whether you are employed or self-employed, our calculator offers a transparent calculation that takes into account your salary (AED 5,000 minimum), employment tenure, and other conditions.

Enter your details in the calculator below and get instant results!

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How to Use an ADCB Auto Loan Calculator?

You’ve decided to buy your dream car in the UAE, but first you need to know if the monthly installment (EMI) will fit into your budget. Let me show you how to use ADCB’s auto loan calculator, which I teach our clients every day. It only takes 5 minutes, and you’ll have a clear idea of ​​how much you can borrow.

Step 1: Understand the Value of the Car

Let’s say you’ve chosen a car worth AED 120,000. ADCB will finance you up to 90%, meaning you’ll need to make a minimum down payment of AED 12,000. But if you make a higher down payment, your monthly payment will be lower. Make the highest possible down payment, as it reduces the interest on your loan.

Step 2: Enter the following 3 things into the calculator

• Vehicle price: AED 120,000
• Down payment: AED 15,000 (I recommend!)
• Tenure: 3 years (36 months)

The calculator will automatically calculate the loan amount (AED 105,000) and interest rate (5.99%).

Step 3: View EMI estimate and match it to your budget

According to my calculations:

• Monthly EMI: AED 3,200
• Total interest: AED 10,800
• Processing fee: AED 1,050 (1% of loan amount)

If your monthly income is AED 12,000, then the EMI is 27% of your income, which is perfectly fine as per ADCB standards (less than 50% of income).

Step 4: Avoid Mistakes!

• Don’t reduce the down payment: If you only pay AED 12,000 (10%), the EMI will increase to AED 3,600.

• Don’t take a longer term: The EMI will be lower over a 5-year term, but the total interest will reach AED 18,000.

Step 5: Contact ADCB and avail

If your calculation seems correct, take immediate action:

Apply online: Fill the form in 10 minutes on the ADCB Auto Loan page.

Prepare documents:

• Passport + Visa (copies)
• Last 3 months salary slips
• Bank statements (6 months)

Talk to an ADCB expert: Call 800 2332 to discuss your EMI or visit website: www.adcb.com

Important Notes

This calculator is based on 2025 rates. Final terms are subject to ADCB approval. 1% (minimum AED 1,000) is deducted at the time of loan approval. A bank agent will respond to you within 24 hours of completing the application.

Why choose ADCB:

• Low Interest Rate: Starting at 5.99% per annum
• Flexible Tenor: 1 to 5 years
• Fast Process: Approval within 24 hours

Use the ADCB Auto Loan Calculator today and plan the best financial plan for your car purchase!

Documents Required for ADCB Car Loan 2025

Documents	For employees	Self-employment	Notes
Passport (original + copy)	✅	✅	6 months validity with visa.
Emirates ID (original + copy)	✅	✅	The font should be clear.
Salary certificate	✅	✗	Last 3 months, on company letterhead.
Bank statement	✅ (6 months)	✅ (12 months)	Salary receipts should appear (AED 5,000+).
Security check	✅	✅	From ADCB’s checkbook, signed.
Business License	✗	✅	2 years old, commercial license.
Company bank statement	✗	✅	6 months, AED 50,000 minimum balance.

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