Gold Loan Calculator UAE
See how much you can borrow against your gold and compare UAE bank rates.
About Gold Loans in the UAE
A gold loan lets you borrow against gold jewellery, coins, or bullion you already own instead of selling it — the bank holds the gold as collateral and returns it once the loan is repaid. It's one of the fastest forms of secured financing in the UAE, since the loan amount is set by the gold's current market value rather than a credit check or income proof, and approval is typically same-day.
Compared to a personal loan, gold loans usually carry lower interest rates because the debt is fully secured — the trade-off is that missing repayments risks the pledged gold itself. Use the calculator above with today's live price to see an indicative loan amount before visiting a branch, then compare it against the bank table below.
Frequently Asked Questions
How much can I borrow against gold in UAE?+
UAE banks typically lend 70–80% of the current market value of your gold. Emirates NBD offers up to 80% LTV, while most other banks offer 70–75%. The exact amount depends on the bank, your profile, and the gold purity.
Which UAE bank has the best gold loan rates?+
Emirates NBD and FAB generally offer competitive gold loan rates in UAE, typically between 10–12% per annum. Dubai Islamic Bank offers Sharia-compliant gold finance at comparable rates. Always compare before applying.
What gold is accepted for a gold loan in UAE?+
Most UAE banks accept 18K, 21K, 22K and 24K gold jewellery and bullion bars. Gold coins and decorative items may be subject to additional assessment. The gold is held as collateral and returned upon full repayment.
How long does it take to get a gold loan in UAE?+
Gold loans in UAE are typically processed same-day or within 24 hours, making them one of the fastest financing options available. The gold is assessed at the branch and funds are disbursed quickly.