Personal Loan Agreement (UAE) — 2026 template
Loan between individuals in onshore UAE with repayment schedule, security cheques and acceleration
- Country
- UAE
- Category
- Loans and IOUs
- Checked against the law
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What's inside
- Loan amount in AED and proof of transfer
- Repayment schedule and early repayment
- Interest flagged as a point requiring legal review
- Security (guarantee or cheques) and acceleration on default
- Governing law, courts and payment-order route
Legal basis
- Federal Decree-Law No. 25 of 2025 (Civil Transactions Law — loan)
- Federal Decree-Law No. 50 of 2022 (Commercial Transactions Law — commercial loans)
- Federal Decree-Law No. 42 of 2022 (Civil Procedure Law), Arts. 143–150 (payment orders)
Start of the text
This is the beginning of the template. Fields in square brackets are filled in the Legal editor.
This template is intended for onshore UAE (outside the DIFC and ADGM financial centres, which apply separate common-law regimes) unless a field below provides otherwise. Arabic is the language of UAE courts and notaries: an English document used before them must be accompanied by a certified legal translation into Arabic.
Important: this template provides for a loan without interest. Whether and how interest may be charged depends on whether the loan is civil or commercial; commercial loans may carry agreed interest under the Commercial Transactions Law, while interest on loans between individuals should be reviewed by a UAE lawyer before it is included.
1. Parties
Lender: [Lender full name], Emirates ID / passport no. [Lender ID number], [Lender address, phone].
Borrower: [Borrower full name], Emirates ID / passport no. [Borrower ID number], [Borrower address, phone].
2. Loan
2.1. The Lender lends the Borrower [Loan amount in figures] AED ([Loan amount in words] dirhams) (the "Loan").
2.2. The Loan is paid on [Payout date] by bank transfer to the Borrower's account [Borrower IBAN]. The Borrower confirms receipt by signing this Agreement.
2.3. The Loan is made without interest, fees or other charges.
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