Saudi Arabia’s Best Finance Options for 2025

Home Finance: Turning Dreams into Reality

Choosing the right Home finance plan is important to ensure you purchase or refinance property while managing repayment comfortably. Here's what to consider:

• Profit Rates & Repayment Terms: Compare rates and repayment periods to find a plan that suits your budget and financial goals.
• Down Payment Options: Understand the minimum down payment requirements, which can vary between providers.
• Finance Amounts: Check the maximum finance amounts available to ensure they meet your borrowing needs.
• Eligibility Criteria: Review minimum salary, employment period, and nationality requirements.
• Joint Finance Availability: Some providers may allow joint applications to increase borrowing capacity.
• Salary Transfer Requirement: Some plans may require you to transfer your salary as part of the finance agreement.
• Fees & Charges: Look out for administrative fees or other related costs.

Personal Finance: Flexible Funds for Life’s Needs

Personal Finance products can help cover a variety of personal expenses, from home improvements to education or unexpected costs. Here's what to consider:

• Profit Rates & Repayment Terms: Compare profit rates and repayment periods to find a plan suited to your budget.
• Finance Amounts: Check the maximum finance amounts available to ensure they meet your borrowing needs.
• Eligibility Criteria: Review requirements such as minimum salary, length of employment, and nationality.
• Salary Transfer Requirement: Some providers may require you to transfer your salary as part of the finance agreement.
• Fees & Charges: Be aware of administrative fees and other associated costs.
• Availability: Personal finance options may be available to both Saudi nationals and expatriates.

Buy Now Pay Later (BNPL): Shop Now, Pay Later

Buy Now Pay Later services allow you to split the cost of purchases into manageable instalments. Here's what to consider:

• Spend Categories: BNPL can be used across a wide range of spending categories such as electronics, fashion, groceries, and more.
• Payment Terms: Review the available installment periods, often offered over short-term plans.
• Fees & Charges: Some BNPL providers offer interest-free plans with no late payment fees, but terms may vary.
• Purchase Protection: Many providers offer protection features that assist with disputes, refunds, and secure transactions.
• Mobile App Access: Most BNPL services include a mobile app for easy payment management and exclusive store deals.
• Additional Features: Some providers offer extra benefits such as payment pausing and simplified returns.

Auto Finance: Get Behind the Wheel

Auto Finance helps you spread the cost of purchasing a new or used vehicle through flexible financing options. Here's what to consider:

• Finance Amounts: Check maximum finance amounts to ensure they meet your vehicle purchasing needs.
• Down Payment Options: Providers may offer varying down payment requirements depending on the plan.
• Profit Rates & Loan Tenure: Compare profit rates and loan durations to find a plan suited to your budget.
• Eligibility Criteria: Review minimum salary, employment period, and nationality requirements, which can vary by provider.
• Salary Transfer Requirement: Some providers may require or waive the need for salary transfer as part of the agreement.
• Insurance & Additional Costs: Check if the finance includes or excludes insurance and be aware of any additional fees.

Auto Lease: Drive Without Ownership

Auto Leasing allows you to use a vehicle for a fixed period without purchasing it outright. Here's what to consider:

• Finance Amounts: Review the maximum lease amounts offered by different providers.
• Down Payment Options: Compare down payment requirements, which can vary depending on the provider.
• Profit Rates & Lease Tenure: Look at available profit rates and maximum lease terms to find a plan that fits your needs.
• Total Cars Allowed: Some providers may limit the number of vehicles you can lease, depending on your residency status.
• Eligibility Criteria: Check minimum salary, employment period, and nationality requirements before applying.
• Insurance: Some leasing plans include insurance as part of the package.
• Salary Transfer Requirement: Some providers may require or waive salary transfer as part of the lease agreement.

Tips for Choosing the Right Finance Product

• Assess Your Needs: Decide whether you require finance for a home, vehicle, personal expenses, or short-term purchases.
• Compare Key Features: Review and compare profit rates, finance amounts, repayment periods, and any fees.
• Check Eligibility: Consider minimum salary, employment requirements, and eligibility for your nationality.
• Understand the Conditions: Take note of factors like down payment requirements, salary transfer conditions, and the availability of joint applications or insurance.
• Stay Informed: Keep an eye out for updates or new offers that may suit your needs over time.