Loan on Phone : Najm Cards

Pay school fees, rent or any bill! Now get up to 70% of the available limit on your Najm Credit Card transferred to your bank account.

With our Loan on Phone facility on your Najm Credit Card, easy access to your Credit Card Limit is a call away. Pay back in small installments for a period of up to 36 months, at competitive interest rates. Live the life you always wanted.

To apply SMS ‘LOP’ to 4748 or call our Call Centre on 04 3160363

The Loan on Phone Plan also offers unique benefits like:

Get up to 70% of credit limit as cash

No processing fee or additional annual charges

No credit approval required

No lengthy documentation

Fund transferred to your bank account

Click here to read the detailed Terms and Conditions

Loan on Phone is applicable for debit of AED 1000 and above only.

Up to 70% off the credit limit can be transferred to UAE Banks only.

Loan can be converted to EPP with no processing fee.

Bank Charges

EmiratesNBD 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 200 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 MAF Finance.

MAF 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 MAF Finance.

MAF Finance will attempt to resolve any dispute as per the Credit Cardholder Agreement and the above mentioned terms however not constricted to the above.

MAF Finance reserves the right to terminate the offer without any prior notice.

MAF Finance Terms and conditions apply.