Last update done to this page on 01.04.2026

We aim to provide personal financing solutions that meets the requirements and needs of to enable all members of the community to apply and receive their financing product promptly. You can now submit a personal financing application that is compatible with Islamic law and with a competitive profit margin through digital application or by visiting one of our branches.

Terms and Conditions:

Personal Financing Requirements for Saudi Nationals:

• • Age: Minimum 20 years – Maximum 65 years. For retired clients, age must not exceed 65 years at the end of the financing term.
• • Minimum Salary: SAR 3,690.
• • Financing Amount: Minimum SAR 3,000 – Maximum SAR 500,000 .
• • Annual Percentage Rate (APR): Starting from 15.61%, varies based on the financing amount and repayment terms
• • Repayment Period: Ranges from 6 months to 60 months.
• • Maximum Salary Deduction: Up to 45%
• • Minimum Employment Duration:
• – Government and semi-government sector: 1 month
• – Private sector: 3 months

Personal Financing Requirements for Expatriates:

• • Age: Minimum 20 years – Maximum 65 years. For retired clients, age must not exceed 65 years at the end of the financing term.
• • Minimum Salary: SAR 5,000.
• • Financing Amount: Minimum SAR 5,000 – Maximum SAR 80,000 .
• • Annual Percentage Rate (APR): Starting from 15.61%, varies based on the financing amount and repayment terms
• • Repayment Period: Ranges from 6 months to 60 months.
• • Maximum Salary Deduction: Up to 45%
• • Minimum Employment Duration:
• – Government and semi-government sector: 3 month
• – Private sector: 4 months