Samba Personal Loan - Personal Loan - For Saudi Nationals working with private sector employers

Minimum Salary needed SR 3,500
Maximum amount available SR 1,500,000
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 21 years of age; You should be employed for at least 4 months; You should be working with a Samba-approved employer
Main Features Approved by the Shariah Supervisory Board; 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 ranked among the largest and most accomplished financial services groups in the Middle East. It has a solid reputation for world-class financial solutions matching the best in the world.
Since its birth, Samba has been leading the industry in innovation with a long list of industry pioneering moves and solutions. This has in turn played a key role in the modern transformation of the banking industry in Saudi Arabia.
Indeed, Samba’s world-class services, market-leading solutions and superior technology have transformed 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 lies a magnificent city by the name Jeddah .It is the chief city in the western region of Saudi Arabia. Jeddah is the largest city in Makkah Province, the principal sea harbor on the Red Sea, and the second largest city in the kingdom of Saudi Arabia.
Currently, Jeddah has a population of 5.1 million dwellers. 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 our recognition of and commitment to helping you achieve your personal dreams and plans.

Beautiful features and benefits:

  •     Enjoy instant approval over the phone;
  •     Sufficient amount of  up to SAR 1.5  million;
  •     Repayment period 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 amounts will be waivered  in accordance  with terms and conditions of the insurance policy; and
  •     There is no guarantor required.

Eligibility and requirements:

  •     Applicants  should be at least 21 years of age;
  •     A monthly salary of at least SR 3,500; and
  •     You should have been employed for at least 4 months.