Personal Refinance

Personal Refinance is designed to give our customers the opportunity to obtain new financing after paying 12-month installments of current personal financing or paying 20% of the amount of personal financing as part of the bank’s endeavor to provide excellent Sharia-compliant financial solutions to our clients.


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  • Fully Shariah-compliant.
  • Competitive profit margin.
  • Flexible and convenient plan.
  • Available for both Saudis and expats.
  • Flexible repayment period.
  • Outstanding balance will be waived in case of death (God forbid).


Terms and Conditions
  • Minimum age of 18 is required for Saudis.
  • Minimum age of 21 is required for expats.
  • Maximum age of 75 years for retirees.
  • Available to employee of an approved entities by Alinma Bank.
  • Can be utilized 12 months after approval of personal financing or after repaying 20% of the financed amount.
  • Administrative fees equivalent to 1% of the financed amount, up to a maximum of SAR 5,000.


    How to enroll
    • Costumer Services: 8001208008
    • Visit Alinma Bank branch


*Administrative and commodity broker’s fee are subject to VAT

* Terms and conditions apply