Competitive Sharia-compliant personal financing designed for Saudi nationals and residents — swift approval, flexible terms, and a dedicated advisor at every step.
Arab Saudi Investment's personal loan products offer competitive profit rates, transparent terms, and rapid approval — putting your financial goals within reach without compromise. Whether you are planning a wedding, consolidating existing obligations, funding an education, or renovating your home, we have a structure designed for you.
All personal financing facilities are fully Sharia-compliant, structured as Murabaha agreements that provide clarity on cost and repayment from day one.
Choose the financing category that matches your need — each structured for maximum flexibility and minimum complexity.
Merge multiple obligations into a single, manageable monthly payment at a lower combined profit rate — reducing financial stress and improving cash flow.
Fund renovation, furnishing, or property improvement projects with a personal finance facility matched to the scope and timeline of your plans.
Cover tuition fees, living costs, and academic materials for local or international educational programs with our dedicated education financing facility.
Mark life's greatest moments without financial compromise. Our wedding and events financing provides the capital to celebrate in the manner your occasion deserves.
Unrestricted personal financing for any legitimate purpose — travel, emergency expenses, medical costs, or other personal requirements with full flexibility.
Sharia-compliant vehicle financing for new or pre-owned automobiles, with competitive profit rates and terms structured around your income profile.
All profit rates are indicative and subject to credit assessment. Final rates are confirmed upon approval based on your individual profile.
| Product | Financing Limit | Indicative Profit Rate | Max Tenor | Collateral |
|---|---|---|---|---|
| General Personal Finance | Up to SAR 500,000 | From 3.99% p.a. | 60 months | Salary assignment |
| Home Renovation Finance | Up to SAR 300,000 | From 3.75% p.a. | 48 months | Salary assignment |
| Education Finance | Up to SAR 200,000 | From 3.50% p.a. | 60 months | Salary assignment |
| Vehicle Finance (Murabaha) | Up to SAR 250,000 | From 2.99% p.a. | 60 months | Vehicle registration |
| Debt Consolidation | Up to SAR 500,000 | Subject to assessment | 60 months | Salary assignment |
Our personal financing is designed for a broad range of clients who meet our baseline eligibility criteria.
Government or private sector employees with a minimum monthly salary of SAR 3,000. Military, civil service, and state-owned enterprise employees receive preferred profit rates.
Non-Saudi residents employed in the Kingdom with a valid Iqama, meeting our income and employment tenure requirements for a select range of products.
Our financing specialists will guide you through the entire process — from eligibility to disbursement — with complete transparency and a commitment to your success.
