Get Easy Loan on Phone

Do you want to redecorate your house, book that bucket list trip, plan a wedding or put a deposit on a new car? With Najm you can.

You can get a loan on your Najm card at competitive rates

  • Up to 80% of your available credit limit as cash
  • Installments of 3 to 36 month available
  • No processing fee or additional charges
  • No credit approval required
  • No documentation
  • Funds transferred directly into your bank account


To apply, simply SMS ‘LOP’ to 1681 and we will give you a call back


Log on to Najm Online to place your Loan on Phone request


Make your dreams a reality today with Najm.


Terms and Conditions:

  • Loan on Phone is available for a period of 3 to 36 months, with low interest rates
  • Loan on Phone is applicable for debit of AED 1000 and above only
  • Up to 80% of the available credit limit can be transferred to UAE banks only
  • Loan can be converted to EPP with no processing fee
  • Bank Charges: EmiratesNBD and Emirates Islamic Bank account transfer – No charges. All other banks – AED 20.
  • In case of early settlement of the Loan on Phone amount before the expiry of the entire tenure of the plan, an early settlement fee of AED 100 shall be levied to the Cardholder Credit Card Account. Further, all interest or fee charged towards installments pre-settled shall have to be borne by the Cardholders and no such charge will be waived off by Majid Al Futtaim Finance
  • Majid Al Futtaim Finance shall not be held responsible for any fee or any service charge debited to the Credit Card Cardholders other bank account due to a decline or a delay in execution of the Loan on Phone request
  • Approval of Loan on Phone and transfer amount is at the sole discretion of Majid Al Futtaim Finance
  • Majid Al Futtaim Finance will attempt to resolve any dispute as per the Credit Cardholder Agreement and the above mentioned terms, however not constricted to the above
  • Majid Al Futtaim Finance reserves the right to terminate the offer without any prior notice
  • Majid Al Futtaim Finance terms and conditions apply
Apply online