- Shariah-compliant financing
- Instant approval
- Available after repayment of 20% of your existing finance
- Financing of up to SR 1,500,000
- A repayment period of up to 5 years
- Exemption from remaining repayments in case of death
Eligibility and Documents
|Public / Semi-Public / Military Sector||Private Sector||Retired|
|Minimum Salary||SR 3,000||SR 8,000||SR 3,000|
|Minimum current work experience||Upon hiring||3 months||Upon retirement|
|Age||18 to 60||21 to 60||35 to 70|
|Public / Semi-public / Military Sector||PRIVATE SECTOR|
|Minimum Salary||SR 3,500||SR 3,000|
|Minimum current work experience||3 Months||3 Months|
|Age||21 to 60||25 to 60|
Documents you’ll need to supply:
- Your completed application form
- A copy of your ID/Iqama (and a copy of passport for expatriates)
- A letter from your employer
Frequently Asked Questions
What happens if my salary has changed?
When you apply for top up finance, you’ll get an amount based on your salary and the installments you can afford.
If I already have a credit card, does that mean I can borrow less?
Yes, your credit card is considered in your borrowing capacity. Also, you need to maintain a good credit record by paying your credit card bills on time, which helps your eligibility for our finance.
If I have any additional income to my salary, do you consider it in your calculations for finance?
Yes, we consider it in your finance calculations.
Can I apply for both personal finance and home finance?
Yes, you can apply for both. Our Home and Cash finance solution gives you the finance to buy a home and cash, while considering your maximum borrowing limit for each.
Can I apply for both personal finance and a credit card?
Yes, you can apply for both, and they will be subject to your borrowing capacity and to our credit approval.
Can I settle my finance early?
Yes, you can. You can contact us to understand the corresponding fees and your outstanding amount.
If I’ve changed employers, can I still get top up finance?
Yes, but we’ll need to approve your new employer first. Government and semi-government are automatically approved. If you work in the private sector, you can contact us to check if your employer is already approved by us.
How do I get my employer approved?
We request specific documents from your employer, and if our credit conditions are met, we sign an agreement with your employer.
Top Up Loan Calculator
"I want to top up my existing finance plan."
Please answer a few questions via our form and click “calculate” to view your personal offer.
Terms and Conditions apply. Annual Profit Rate (APR) starts from 3.79%. One-time management fee is 1% or SR 5,000 whichever is lower. All fees & service charges are available on our website and in our branches. The products advertised in this marketing material are not suitable for customers below 18 years old.
Call us on 800 124 2525 or visit your nearest branch