Consulting Comprehensive Salary‑Based & Non‑Salary Transfer Personal Finance Solutions Across UAE Banks
Amanex Group provides end‑to‑end personal loan consultancy for UAE residents, expats, and self‑employed individuals. Our approach focuses on AECB‑aligned structuring, accurate eligibility assessment, and fast approvals through strong banking relationships.
Fresh Personal Loan
For customers applying for a personal loan for the first time or with clean profiles
Overview: A fresh personal loan is ideal for individuals with stable income, clean AECB history, and no existing liabilities. Banks offer the highest approval rate and best interest rates for this category.
Key Features:
Loan amounts up to 20x salary
Tenure up to 48 months
Low interest rates for high‑salary customers
Salary transfer & non‑salary transfer options
Ideal For:
New employees with stable income
Individuals with no existing loans
Customers with strong AECB scores
Amanex Orientation: We match your profile with the bank offering the highest eligibility and fastest approval based on salary, employer category, and AECB score.
Buyout / Takeover Personal Loan
For customers wanting to close existing loans and shift to a better bank
Overview: A buyout loan allows customers to transfer their existing loan to another bank offering lower interest, higher loan amount, or better EMI structure.
Key Features:
Lower interest rates
Additional top‑up amount available
EMI reduction up to 30%
Consolidation of multiple loans into one
Ideal For:
Customers paying high interest
Individuals needing additional funds
Clients wanting to reduce monthly EMI
Amanex Orientation: We negotiate with banks to secure maximum top‑up, lowest rate, and smooth takeover without delays.
Top‑Up Personal Loan
For customers who already have a loan and need additional funds
Overview: Top‑up loans are offered to customers with existing loans who have completed a minimum number of EMIs and maintain a good AECB score.
Key Features:
Additional loan on top of existing facility
No need to close current loan
Fast approval (same bank)
Eligibility based on repayment history
Ideal For:
Customers needing extra funds for emergencies
Individuals with good repayment track record
Clients with stable income and low DBR
Amanex Orientation: We assess your repayment history and negotiate with your existing bank for maximum top‑up eligibility.
Innovative Solutions for Growth
Explore our comprehensive selection of services that cater to a variety of needs, ensuring complete customer satisfaction.
Low‑Salary Personal Loan
For customers earning AED 3,000 – AED 5,000 per month
Overview: Low‑salary loans are designed for individuals with modest income but stable employment. Only selected banks and finance companies offer this category.
Key Features:
Salary requirement starting from AED 3,000
Limited documentation
Fast approvals for listed companies
Flexible repayment options
Ideal For:
Entry‑level employees
Workers in listed companies
Individuals with stable job history
Amanex Orientation: We identify banks that accept your employer category and salary bracket to ensure smooth approval.
Personal Loan Without Salary Transfer
For customers who cannot or do not want to transfer salary to the bank
Overview: Non‑salary transfer loans are ideal for individuals who want flexibility or whose companies do not have salary transfer arrangements.
Key Features:
No salary transfer required
Bank statements used for income verification
Higher interest compared to salary transfer loans
Loan amounts based on average credits
Ideal For:
Individuals with multiple income sources
Customers whose companies do not transfer salary
Freelancers with consistent income
Amanex Orientation: We match your income pattern with banks offering non‑salary transfer approvals with minimal documentation.
Personal Loan for Self‑Employed
For business owners, freelancers, and partners in companies
Overview: Self‑employed individuals can secure personal loans based on business turnover, account credits, and company stability.
Key Features:
Eligibility based on bank statement turnover
No salary certificate required
Loan amounts linked to business performance
Flexible repayment options
Ideal For:
Business owners
Partners in LLCs
Freelancers with stable income
Amanex Orientation: We analyze your business turnover and match you with banks offering self‑employed personal finance..
Combine Multiple Liabilities into One Manageable EMI
Our approach focuses on AECB‑aligned structuring, accurate eligibility assessment, and fast approvals through strong banking relationships.
Personal Loan Against Fixed Deposit
For customers who want a loan without affecting their savings
Overview: A loan against FD is a secured loan where the fixed deposit acts as collateral, offering very low interest rates.
Key Features:
Interest rate significantly lower
No AECB dependency
No income proof required
Loan up to 90% of FD value
Ideal For:
Individuals with existing FDs
Customers wanting low‑interest loans
Clients avoiding AECB checks
Amanex Orientation: We structure the loan to ensure maximum value while keeping your FD intact.
Personal Loan for Expats / New to UAE
For newly arrived residents with limited credit history
Overview: New expats often face challenges due to lack of AECB history. Amanex helps secure loans through banks that accept new‑to‑UAE profiles.
Key Features:
Eligibility based on salary & employer category
No long credit history required
Fast approvals for selected companies
Loan amounts based on salary multiples
Ideal For:
New employees
Expats with 1–3 months in UAE
Individuals with strong employer category
Amanex Orientation: We identify banks that accept new‑to‑UAE applicants and structure your file for maximum approval chances.
Personal Loan for Debt Consolidation
Combine Multiple Liabilities into One Manageable EMI
Overview: A Debt Consolidation Personal Loan is designed for customers who have multiple loans, credit cards, or high‑interest liabilities and want to merge them into a single, lower‑EMI facility. This solution reduces financial stress, improves AECB score over time, and provides better control over monthly cash flow.
Key Features:
Combine multiple loans and credit cards into one
Reduce monthly EMI by 20%–40%
Lower interest compared to credit card rates
Improve AECB score through structured repayment
Option to add additional top‑up if eligibility allows
Tenure up to 48 months
Salary transfer & non‑salary transfer options available
Ideal For:
Customers with multiple credit cards
Individuals struggling with high EMI burdens
Clients wanting a clean, single repayment structure
Customers aiming to improve AECB score
Individuals planning long‑term financial stability
Amanex Orientation: We analyze your complete liability structure, calculate DBR, and design a consolidation plan that reduces EMI while maintaining bank approval feasibility. Our team negotiates with banks to secure:
Maximum consolidation amount
Lowest possible interest
Smooth closure of old liabilities
Fast approval with clean documentation
Use Cases:
Customer with 3–4 credit cards paying high interest
Individual with multiple loans across different banks
Client facing cash flow issues due to high EMI load
Customer wanting to clean AECB profile before applying for a mortgage or business loan
Benefits:
Lower stress
Better financial control
Improved credit score
Single EMI instead of multiple payments
Long‑term financial discipline