Frequently asked questions

Yes. Applying and advice are completely free, and we never ask for upfront fees.

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.

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.

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.

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.

Yes. You may settle at any time, and the amount due to the lender may not exceed the profit for the following three months.

Yes. Products are offered through Islamic structures such as Murabaha, Tawarruq and Ijarah, approved by the lenders' Sharia boards.

An advisor usually contacts you within one business day; final approval time varies by lender and product.

We don't ask for your ID number in the form, and we will never ask for an OTP or any password. Treat any such request as fraud.

Yes. Some lenders offer products to residents under specific conditions such as employer and minimum salary.