Samba Personal Loan - For Expatriates without Assignment of End-of-Service Benefits (EOSB)

Minimum Salary needed SR 2,500
Maximum amount available SR 300,000
Length of Loan 5 years
Profit Rate Applicable Flat Rate starts from 1.45% and Applicable Annual Mark-up Rate starts from 2.79%
Upfront Fees ( if any ) Management fees should not exceed 1% of finance amount or SR 5,000 whichever is less
Eligibility You should be at least 23 years of age; You should be employed for at least one year; You should be working with a Samba-approved employer
Main Features Approved by the Shariah Supervisory Board; Finance based on Tawarouq by the purchase and sale of local commodities; Simple documentation; Fixed profit rate for the entire finance period. Your profit rate will not change during the entire finance period; akaful Insurance – In case of death or permanent total medical disability, God forbid, all outstanding amounts will be considered paid subject to terms and conditions of insurance policy; No guarantor required; Samba Credit Card without annual fees for the entire finance period; Opportunity to top up your Al Khair finance for extra cash;

Samba Financial Group

Samba Financial Group is among the largest and most successful financial services groups in the Middle East. The bank has built for itself a reputation for world-class financial services and products that match the finest in the world.
Since it was born, Samba Group has been leading the industry in innovation with a long list of pioneering moves and solutions in the industry. This has in turn played a key role in the modern transformation of the banking industry in Saudi Arabia.
Samba’s world-class services, market-leading solutions and superior technology have contributed to transform Samba into one of the most accomplished financial services brand names and the most internationally recognized bank in Saudi Arabia and the Middle East.


In the western coastline of Saudi Arabia’s Red Sea rests a modern city named Jeddah .It is the principal city in the western region of Saudi Arabia. Jeddah is also the largest city in Makkah Province, the main sea harbor on the Red Sea, and the second largest city in the kingdom of Saudi Arabia.
Jeddah has a ballooning population of 5.1 million people. The city is a fine   commercial center in Saudi Arabia in a similar context with Riyadh and Dammam, that is, in terms of function, economy and regional significance.
Jeddah’s economic focus is on harnessing and refining capital investment in scientific and engineering leadership throughout Saudi Arabia, and the Middle East.

Personal Finance

Our personal finance is tailored to stand with your financial goals and dreams from the day of conception until they are safely birthed into the land of realization.

Salient features and benefits:

  •     Get instant approval over the phone;
  •     Repayment duration of up to 5 years;
  •     Fixed profit rate for the entire finance period;
  •     Takaful Insurance cover – just in case of death or permanent disability all outstanding amount will be waivered  as per the terms and conditions of the insurance cover; and
  •     Financing amount of up to SAR 300,000.

Eligibility and requirements:


  •     Applicant  age of  at least 23 years;
  •     A minimum monthly salary SAR 2,500; and
  •     Applicant should have been in employment for at least 12 months.