Mashreq (loans): verified facts and rating
Licensed since: 1967 Checked 2026-10-31
Score breakdown
100% backed by facts · How we rank
Mashreq (loans) against the market
The dot is the company, the line is the median of all companies in this ranking.
Published rate, % of country reference86%114%109% · median 100%
Support hours a week84 h168 h168 h · median 168 h
Maximum amount, % of country reference50%125%50% · median 100%
Longest term48 mo48 mo48 mo · median 48 mo
Mashreq (loans) strengths and weaknesses
Pros
- Long licence history
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- Publishes how to complain
Cons
- An arrangement fee can apply
- A charge can apply to early repayment
All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | 1967 Since our inception in 1967, Mashreq has adopted the principles of Social Responsibility, Integrity, and Transparency (год основания) | mashreq.com | 2026-10-31 |
| Licensed by the regulator | Yes Mashreqbank PSC is regulated by the Central Bank of the United Arab Emirates | mashreq.com | 2026-10-31 |
| Published rate, % of country reference | 109% Reducing Rate of Interest for Emiratis 5.99% to 12.99%; Annualized Percentage Rate (APR) for Emiratis 6.25% to 13.25%; Reducing Rate of Interest for Expatriates 5.99% to 31.99% · reducing rate 5.99% (lower bound) · index 100 = 5.50% (median at launch) | mashreq.com | 2026-10-31 |
| Free early repayment | No Partial or Early settlement: 1.05% of Principal loan outstanding OR 10,500 whichever is lower (VAT Inclusive) | mashreq.com | 2026-10-31 |
| No arrangement fee | No Processing Fee: 1.05% of loan amount (VAT Inclusive) | mashreq.com | 2026-10-31 |
| Fees or terms published | Yes KEY FACTS STATEMENT PERSONAL LOAN ... SERVICES: FEES & CHARGES (Key Facts Statement (KFS) last revised on 12 January 2026) | mashreq.com | 2026-10-31 |
| Complaints procedure | Yes Existing Mashreq customer? You can raise a complaint here. Raise a Complaint. Please select the nature of your Complaint | mashreq.com | 2026-10-31 |
| Online application for new customers | Yes Apply now in a few clicks. Instant online approval in 5 minutes ... Accept the Mashreq Personal Loan offer, and we'll create your salary transfer account within in a minute. | mashreq.com | 2026-10-31 |
| Support hours a week | 168 h Within the UAE: 04 424 4444 Outside the UAE: +971 4 424 4444 Available 24/7 | mashreq.com | 2026-10-31 |
| Maximum amount, % of country reference | 50% Mashreq offers Personal Loans of up to 20 times your salary and maximum of up to AED 2 million. · max 2000000 AED · index 100 = 4000000 AED (median at launch) | mashreq.com | 2026-10-31 |
| Longest term | 48 mo Minimum tenure for a Mashreq Personal Loan is 6 months and the maximum tenure is 48 months. For employees of the Ministry of Defense the maximum tenure is up to 60 months. | mashreq.com | 2026-10-31 |
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