Personal finance
For a personal need, or to settle existing obligations at a clearer instalment.
What we do for you
- The deduction ratio worked out before you apply, not after
- Sharia-compliant programmes from licensed lenders
- More than one lender compared before we pick one
- You can apply with existing obligations
Who it suits
Government and private-sector employees on a steady income.
Documents required
- National ID or iqama
- Salary certificate
- Three months of bank statements
- GOSI certificate for private sector
These documents are the usual ones; the lender may ask for others depending on your case.
Other services
Real-estate finance
Buying a home or financing a property, with the deduction ratio worked out first.
Learn moreAuto finance
A new or used vehicle, through the approved lenders.
Learn moreSME finance
Working capital or expansion, for small and medium businesses.
Learn moreRestructuring obligations
Consolidating several commitments into one instalment that can be carried.
Learn moreFinancing advice
Reading your position before you apply — sometimes the advice is not to apply yet.
Learn more