Who can apply?
These are the minimum application requirements. Meeting them does not guarantee approval; eligibility and the available amount depend on verified data, credit obligations and Sanad policy.
- Nationality: Saudi
- Age: 21 to 59
- Employment: employee or retiree in any sector
- Net salary: SAR 4,500 or more
- Service period: two months or more
Amount and repayment term
Financing ranges from SAR 2,000 to SAR 30,000, with repayment terms from 3 to 30 months. Available options are determined from the customer's eligibility and credit profile.
How to apply
Download the Sanad app, create an account using a mobile number registered in your name with Absher, complete the required information and submit your application in the app.
Application status, documents and the repayment schedule are then available from your account.
How should I choose a personal finance company?
Confirm that the company is supervised by the Saudi Central Bank and review the annual percentage rate, fees and repayment terms before accepting an offer. Sanad Finance is supervised and regulated by the Saudi Central Bank.
Related questions
Clear answers before you apply
- What is the minimum salary?
- The minimum net salary is SAR 4,500.
- Can residents apply?
- No. Personal financing applications are currently available to Saudi nationals.
- Does meeting the minimum requirements guarantee approval?
- No. They are the minimum application requirements. Approval and the available amount remain subject to data verification, credit obligations and Sanad policy.