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Hazel

For patients and clinics

Approved in minutes, right at the clinic

Apply with your Emirates ID from your phone and get a decision in minutes, with no callbacks or branch visit.

See how it works

In short

Hazel returns an automated credit decision in minutes at the clinic, with no manual review and no callbacks. Once approved by Mashreq, the clinic is paid the full amount and treatment can often begin the same day.

Mashreq assesses your application automatically, so the decision comes on the spot, subject to approval.

How approval works

An automated assessment, delivered while you're still at the clinic.

A decision in minutes

A fully automated assessment by Mashreq, with no manual underwriting queue.

No callbacks

You get your answer on the spot, not days later.

A soft eligibility check

Checking is a soft pre-check; the full credit assessment happens later with Mashreq.

What happens in those minutes

From application to decision without leaving reception.

  1. 01

    Submit the application

    Your Emirates ID and a few details, entered from your phone.

  2. 02

    Automated assessment

    Mashreq assesses your application against its criteria in minutes.

  3. 03

    Decision, then payment

    You see your result on the spot, and on approval the clinic is paid the full amount upfront.

What you'll need

A few things make you eligible for a decision in minutes.

  • A valid Emirates ID
  • Salaried UAE residency with a monthly salary of AED 5K or above
  • An active credit history

Built for patients and clinics alike

For patients

An answer before you leave

  • A decision in minutes
  • A soft eligibility check
  • Finance AED 10K to AED 150K over 2 to 48 months

For clinics

Paid on approval

  • No manual review for your staff
  • Decisions during the appointment
  • Paid the full amount upfront, with no repayment risk

A decision in minutes vs the bank queue

Why a decision lands in minutes, not days.

Hazel, in minutesA bank loan
Where you applyAt the clinic, from your phoneAt a bank branch
Time to a decisionMinutes3–5 business days
When treatment can startOften same dayAfter approval and sign-back

Questions, answered.

Most applicants receive an automated credit decision within a few minutes of applying at the clinic. There's no manual review queue.

You'll be told right away, and you can leave your email to be notified as eligibility expands. There's no obligation either way.

Yes. Checking your eligibility on Hazel is a soft pre-check that gives you an indicative decision. A full credit assessment only happens later, when you complete your formal application with Mashreq.

Hazel uses automated decisioning from Mashreq, a licensed UAE bank, so eligibility is assessed in minutes rather than by a person over several days.

A valid Emirates ID, salaried UAE residency, a monthly salary of AED 5K or above, and an active credit history.

No. There's no arrangement or processing fee, and checking your eligibility costs nothing and carries no commitment.

You can finance from AED 10K up to AED 150K, repaid over 2 to 48 months. Plans of 48 months are available above AED 50K. You can hold more than one active plan at a time, and Hazel works independently of any insurance.

Get your answer in minutes

Check your eligibility in up to 2 minutes with a soft pre-check.

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