Personal Finance

Get a personal financing that meets your needs with several Shariah-compliant options, either through commodities or Murabaha stocks financing, with the possibility of obtaining financing also for qualified customers who are committed to existing financing with a deduction of less than 33.33% where personal financing can be Provided from Alinma Bank with the remaining deduction percentage.  


Apply Apply on Alinma App


  • Ability to choose from the shares approved by the Alinma Bank Shariah Board.
  • Financing up to SAR 7.5 million.
  • Repayment period up to 60 months.
  • Available for both Saudis and expats.
  • Fully Shariah-compliant.
  • Outstanding balance will be waived in case of death (God forbid).


You may enroll thru
  • Alinma App (for the first personal finance)
  • Apply
  • Costumer Services: 8001208008
  • Visit Alinma Bank branch


 Steps of Requesting and Executing via Alinma App
  •  Click on finance and Select request finance and click on Apply now.
  • Select employer sector, then Specify employer.
  •  Fill in your net salary, then click continue.
  •  Select dependents and monthly expenses.
  • Upload required document.
  • At this step personal finance has been successfully submitted and will be subject to the bank's credit study, whether by acceptance or rejection.
  • After receiving the acceptance SMS log in to the app and thru request status you will be able to view and accept the offer.
  • click on Approve promissory note thru (request status) an SMS will be sent with attached link via NAFITH (Ministry of Justice) to agree on the Promissory Note.
  • After that you may Agree on the contract.
  • Enter the activation code sent via SMS then click continue.
  • Title of commodity will be transferred to customer, then the funds will be added to the customer account after selling the commodity by bank on the customer behalf to a third party.


Terms and Conditions
  • Minimum age of 18 is required for Saudis.
  • Maximum age of 75 years for retirees.
  • Minimum net salary starts from SAR 3,000, depending on the sector.
  • *Administrative fees equivalent to 1% of the financed amount, with a maximum limit of SAR 5,000.



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

* Terms and Conditions Apply


Example : 

Personal Financing

Monthly Installment

Loan amount

Profit Rate (APR)

Financing Period


SR 1,809.58

SR 100,000


5 years


SR 2,714.38

SR 150,000


5 years


SR 904.79

SR 50,000


5 years


*Any information or rates mentioned are for example only. All financial product and service delivery is subject to the credit policies of Alinma Bank.