Is salary transfer required?
No. Eligible customers can apply while keeping their salary with their existing bank.
Income and credit obligations are still verified to determine eligibility, available amount and repayment term.
Product essentials
The available offer details are shown in the Sanad app after the required information is completed.
- No salary transfer
- No guarantor
- SAR 2,000 to SAR 30,000
- 3 to 30-month repayment terms
- Available to eligible Saudi nationals
Cost and repayment
Financing cost varies by amount, term and customer profile. The administrative fee is 0.5% of the financing amount, capped at SAR 2,500, whichever is lower, plus VAT.
The calculator provides an initial estimate and does not constitute an offer or commitment from Sanad.
Related questions
Clear answers before you apply
- Do I need a guarantor?
- No. A guarantor is not required for Sanad personal financing.
- Can I apply if I have existing obligations?
- You can submit an application. Existing obligations are considered when eligibility and the available amount are determined.