Personal Finance

• Choose from shares approved by the Alinma Shariah Board.
• Get personal financing up to SAR 7.5 million.
• Enjoy a repayment period of up to 60 months.
• Available for both Saudis and expatriates.
• Fully Sharia-compliant.
• Special Personal Finance Offers for the Government, Semi-Government, and Major Private Sector Companies, with an Annual Percentage Rate (APR) starting from 3.43%. The offer is valid from November 2nd until November 30th, 2025

• Open Alinma App, go to “Finance,” and select “Request Finance,” then tap “Apply Now.”
• Choose your employer sector and select your employer.
• Enter your net salary and tap “Continue.”
• Select dependents and monthly expenses.
• Upload the required documents.
• Once submitted, your personal financing request will be reviewed for approval or rejection.
• Upon approval, you will receive an SMS. Log in to the app, go to “Request Status” and review and accept the offer.
• Approve the promissory note under “Request Status,” then follow the link sent via SMS from NAFITH (Ministry of Justice) to confirm the Promissory Note.
• Agree to the financing contract within the app.
• Enter the activation code received via SMS and tap “Continue.”
• The ownership of the commodity will be transferred to you, and once Alinma sells it on your behalf to a third party, the funds will be deposited into your account.

You can submit your application through the following channels:

• alinma App (For First-Time Personal Financing).
• via alinma Website.
• alinma Phone: 8001208008.
• alinma branches.

• Minimum age requirement is 18 years for Saudis.
• Maximum age requirement is 75 years for retirees.
• Minimum net salary starts at SAR 3,000 depending on the sector.
• *Administrative fees are 1% of the financed amount, with a maximum limit of SAR 5,000.
• Special offers on profit margins, APR 3.61%. The offers are valid from March 6 to April 5, 2025.

* Administrative fees and commodity broker fees are subject to VAT.
*Notice: Personal financing products may involve certain risks, including but not limited to fluctuations in stock prices. By submitting your financing application, you acknowledge that you are fully aware of these associated risks.
* Terms and Conditions apply.

Example : 

* Subject to administrative fees and value-added tax (VAT).