Clear financing from the start
Sanad personal financing
Fast personal financing through Sanad up to SAR 30,000, with no guarantor or salary transfer and flexible repayment terms.
Financing details
Amount, term, and application details
Review the financing range, repayment term, and key product features before submitting your application through Sanad.
- Financing amount
SAR 2,000 to SAR 30,000
The available amount is determined by eligibility, credit obligations, and Sanad policy.
- Repayment term
3 to 30 months
Flexible repayment periods based on the financing amount and available offer.
- How to apply
Digitally through Sanad
Submit your application and track its status and documents in the app.
- Key requirements
No guarantor or salary transfer
Approval remains subject to eligibility and the applicable credit policy.
Eligibility
Sanad financing requirements
Simple, direct requirements that help you understand whether the product may suit you.
- Employment
- Employee or retiree from any sector
- Nationality
- Saudi
- Age
- 21 to 59 years
- Net salary
- SAR 4,500 or more
- Service period
- At least two months
Product benefits
Digital procedures and clear requirements
The product combines a digital application, clear requirements, flexible repayment options, and in-app application tracking.
- Your employer does not need to be pre-approved
- No guarantor required
- No salary transfer required
- Upload required documents and track your application digitally
- Flexible repayment period up to 30 months
Financing calculator
Calculate the estimated monthly installment
Select the financing amount and term to view an estimate of the monthly installment, financing cost, and annual percentage rate.
Illustrative estimate
Financing calculator
Last updated: 08 April 2026
Financing summary
Monthly installment
- Administrative fee (before VAT)
- 55.00SAR
- VAT on administrative fee
- 8.25SAR
- Estimated financing profit
- 2,291.67SAR
- Total financing cost
- 2,354.92SAR
- Total repayment
- 13,291.67SAR
- Estimated annual percentage rate (APR)
- 55.26%
The financing cost varies by term and remains subject to Sanad’s policy.
Administrative fee: 0.5% of the financing amount, capped at SAR 2,500, whichever is lower, plus 15% VAT.
Early-settlement fee: the cost of three months from each customer’s financing closure date.
Figures shown are illustrative examples only and do not constitute a commitment or offer from the company.
Services and information
You may also need
Move easily between financing information, customer support, and your rights.
Start your financing application through Sanad
Download the Sanad app to submit your financing application and follow its progress digitally.
