Personal Finance
Cash financing for government, military and private-sector employees.
- Repayment up to 60 months
- Deduction up to 33.33% of salary
- Admin fee max 1% or SAR 5,000
Aligned with Saudi Central Bank rules
Financing made simple & transparent
Apply in 2 minutes and a financing advisor will compare available offers from licensed lenders for you — with the installment, fees and APR fully explained before you commit.
- No upfront fees
- Sharia-compliant solutions
- Your data stays private
Start your application
Free, no obligation — we usually reply within one business day
2 minto apply
60 monthsmax personal finance term
33.33%max salary deduction
0 SARapplication fee
Financing that fits your needs
All products are Sharia-compliant (Murabaha, Tawarruq, Ijarah) and offered by licensed lenders
Home Finance
Buy or build your home with long-term financing, combinable with housing support for eligible citizens.
- Terms up to 25–30 years
- Combinable with housing support
- Down payment from 10% for eligible first homes
Car Finance
Own a new or used car through lease-to-own (Ijarah) or Murabaha.
- Flexible down payment
- Balloon payment option
- Comprehensive insurance per offer
Debt Buy-out & Refinance
Move your debt to a lender with better terms, or merge obligations into a single installment with extra cash.
- One installment instead of many
- Possible extra cash
- SIMAH defaults reviewed case by case
Retiree Finance
Dedicated solutions for civil and military retirees based on pension income.
- Deduction up to 25% of pension
- Term suited to your age
- Simplified process
How it works
Four simple steps to the right financing offer
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1
Apply
Fill in the short form with the financing type, amount and salary details — no national ID or passwords required.
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2
An advisor calls you
A dedicated financing advisor contacts you to understand your needs and check initial eligibility.
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3
Compare offers
We explain the monthly installment, total cost and APR of every available offer.
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4
Sign with the lender
Final approval and the contract are completed directly with the licensed lender.
Financing Calculator
Calculate the monthly installment, total cost and APR, and estimate your maximum financing based on your salary
Monthly installment
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- Total profit
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- Admin fee
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- Total amount payable
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- Annual Percentage Rate (APR)
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Estimated maximum financing
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- Max available installment
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- Applied deduction ratio
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Your current obligations exceed the permitted deduction ratio — a debt buy-out may suit you.
Results are estimates for illustration only and are not a binding offer. The final offer depends on the lender's assessment and your credit record.
Fees & Financial Disclosure
Transparency is your right — here are all the financial details before you apply
Annual Percentage Rate (APR)from 4.5% to 24% per year
Personal finance repayment termfrom 6 to 60 months
Admin feeup to 1% of the amount, max SAR 5,000
Early settlementmax profit of the next 3 months
Representative example
Financing of SAR 100,000 over 60 months at a flat profit rate of 3.5% per year: monthly installment SAR 1,958.33, total profit SAR 17,500.00, admin fee SAR 1,000.00, total amount payable SAR 118,500.00. APR: 7.18%.
Illustrative only; actual rates and cost vary by lender, employer, salary and credit record.
Financing rules in Saudi Arabia
Key points from the Saudi Central Bank (SAMA) Responsible Lending Principles and Consumer Finance regulations — know your rights before you sign
Deduction ratio
Consumer finance installments may not exceed 33.33% of an employee's net salary, or 25% of a retiree's pension.
Personal finance term
The maximum repayment period for consumer (personal) finance is 60 months.
Admin fees
Administrative fees may not exceed 1% of the financed amount or SAR 5,000, whichever is lower.
APR disclosure
Lenders must disclose the Annual Percentage Rate (APR) and total cost of financing in writing before signing.
Right to withdraw
You may withdraw from a consumer finance contract within 10 business days of signing, subject to regulatory conditions.
Early settlement
You may settle early; the amount due to the lender may not exceed the profit of the following three months.
For guidance only and subject to change; the Saudi Central Bank regulations and each lender's terms prevail.
General eligibility
- Saudi national or legal resident (depending on lender policy)
- At least 21 years old, and within the lender's maximum age at the end of the term
- Fixed monthly salary transferred to a bank, starting from SAR 4,000
- At least 3 months of service with the current employer (varies by sector)
- Acceptable credit record with SIMAH
Documents usually required
- Valid national ID or Iqama
- Recent salary certificate
- Bank statement for the last 3 months
- National address
- Consent for SIMAH credit inquiry (done with the lender)
Documents are never requested through this website; your advisor will guide you to submit them directly to the licensed lender.
Why Tamweeliq?
Zero upfront fees
Applying and advice are completely free. We will never ask you to transfer money.
Full transparency
Installment, fees, APR and total cost explained before any decision.
Your data is safe
Fully encrypted, and shared only with your consent for your request.
A dedicated advisor
One advisor follows your request from start to offer.
Security notice: Tamweeliq will never ask for your OTP, bank or Absher password, or any payment in exchange for approval.
Frequently asked questions
Is applying through Tamweeliq free?
Yes. Applying and advice are completely free, and we never ask for upfront fees.
Is Tamweeliq a lender?
No. Tamweeliq connects you with financing advisors who help you reach offers from lenders licensed by the Saudi Central Bank. Approval and contract signing happen directly with the lender.
What is the maximum salary deduction?
Under SAMA rules, consumer finance installments may not exceed 33.33% of an employee's net salary and 25% for retirees; total limits differ when a home loan exists.
What is the difference between the profit rate and APR?
The flat profit rate is applied to the original amount for the whole term, while the APR reflects the true cost including admin fees, so it is higher. Always compare offers by APR.
Can I get financing with SIMAH obligations?
It depends on the type and status of the obligation and your remaining deduction capacity. Some lenders offer debt buy-out solutions; your advisor will explain your options.
Can I settle early?
Yes. You may settle at any time, and the amount due to the lender may not exceed the profit for the following three months.
Ready to see how much you can get?
Apply now for free and let an advisor find the best available financing offer for you.