Top-up Loan For Existing Customers

With Mashreq Top Up Loan

Instant online approval

in 5 minutes

Avail loans up to 20X your salary

and as high as AED 1 million

Enjoy low interest rates

and 1st EMI deferral period of up to 90 days

Top up your loan digitally to meet your sudden needs

If you are in need for a little extra funds to cover your sudden unplanned expenses, Mashreq’s Top Up Loan is the right option for you. Opt for a top up loan within a few clicks and extend the borrowing limit on your existing loan easily.

Why delay? Top up your loan now!

View your loan offer
Enter basic details including mobile number & personal details to get your top up loan offer right away!
Happy with the offer?
In case you are happy with the top up loan offer, simply accept it.
Easy documentation
Submit minimal required documents via your Mashreq salary account to avail your top up loan.
Gold Loan Calculator

Feel free to play around with the calculator

Loan amount


AED 10,000

AED 1,500,000

Interest rate


2.99 %

36 %

Pay back over how many months?


3 months

60 months

For better decisioning you can also compare various loans

Loan Comparison calculator

Monthly Installment


Have your Emirates ID handy? Upload and get your quote now!

Terms & condition will apply. Actual installments may differ.

Have the following documents handy to view your loan offer:

Valid Emirates ID


Minimum Monthly Salary
AED 5,000 for approved companies & AED 10,000 for unapproved companies.
Company Approval Requisite
Not mandatory to be employed at an approved company for loan eligibility.
Employment Term
Should be a ‘Confirmed’ employee (or) length of service to be 6 months or more at the current company.


Terms & Conditions of Personal Loans
To find out more, click here.
Terms & Conditions of Credit Life
To find out more, click here.
Fees & Charges
To find out more, click here.
Key Facts Statement
To find out more, click here.

Frequently Asked Questions

• Your top up loan amount can go up to 20 times your salary. • Maximum loan amount that can be availed by expatriates is AED 1,000,000. • Your loan installment, along with your overall monthly installments must stay below 50% of your salary. • If you have a salary increment or you receive company benefits such as accommodation or own a separate form of extra variable income, your loan eligibility might be increased accordingly. • Your loan tenor can go up to a maximum of 48 months.
The assessment process is quick and simple. As you're an existing customer and we already have your information on file, the approval process for a top up loan is fast. Your eligibility to qualify is based on the following: • Minimum monthly salary requirement starting AED 5,000 for Approved Companies & AED 10,000 for Unapproved Companies. • The loan installment along with the overall regular monthly installments should not exceed 50% of the monthly salary. • Your salary should be transferred to Mashreq, if not already.
You may currently have an active loan from Mashreq. A Mashreq Top Up Loan is used to extend your current borrowed amount. This also extends the repayment period for both the loans (original loan + your top up) to a single date.
There are two simple ways to apply for a Mashreq Top Up Loan. 1. Click "Apply Now" in the above section and submit the details required. 2. Call us on +971 4 4244444. You are not committed to anything by calling us for a chat. We're happy to talk you through your options and answer any questions.

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Download Mashreq Mobile App

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