In Dubai, bureau updates after a loan is finished usually take about 30 to 45 days , but some banks report faster and some take longer. A few public reports and bureau guidance also suggest that if the bank sends the closure promptly, the record can update within 10 working days after the correction/request is processed, while forum experiences show some cases taking up to 60 days.

What usually happens

After you clear the final EMI, the bank first has to mark the loan as settled in its own system and then pass that update to Al Etihad Credit Bureau. That means the delay is often on the bank side, not the bureau side. If the bank is slow, the credit report can still show an active balance for weeks even though the loan is paid.

Practical timeline

  • Fast case: 10 working days or less if the bank reports quickly and the correction is handled smoothly.
  • Typical case: 30 to 45 days for the bureau record to reflect closure.
  • Slower case: around 60 days in some real user experiences.

What to ask the bank

Once the loan is closed, ask for:

  • A loan closure letter or no-liability certificate.
  • Confirmation that the bank has sent the update to the credit bureau.
  • The expected date for bureau refresh.

That certificate matters because it helps prove the loan is fully settled if the report has not updated yet.

If it is still not updated

If your report still shows the loan after a few weeks, the usual next step is to raise a correction with the bureau and attach the bank’s closure letter. The bureau’s correction page says it will route the request to the relevant company, and the stated update time for a correction is within 10 working days.

Bottom line

For most people in Dubai, expect about 1 to 6 weeks , with 30 to 45 days being a fair rule of thumb. If it goes beyond that, the bank has likely delayed the reporting and you should push for the closure letter and bureau correction.