Yes, many UAE banks offer a debt consolidation loan specifically designed to pay off several existing debts, credit cards, personal loans, or other financing, and combine them into a single new loan with one fixed EMI. The main appeal is simplifying multiple repayment dates and amounts into one predictable monthly payment, and potentially securing a lower overall interest rate than a mix of higher-rate credit card balances, though approval still depends on your overall debt-burden ratio and credit history across the debts being consolidated.
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