Personal Finance

Your Safe and Faster Financing Option

Overview

SFC provides the tools and resources you need to take control of your finances, offering personalized advice, efficient budgeting tools, and a variety of saving and investment options. Empower yourself to make informed decisions and build a solid financial future with our comprehensive support. Personal finance is the cornerstone of a secure and prosperous life. It involves managing your income, expenses, savings, and investments to achieve financial goals and ensure stability.

Features

Financing up to 3,000,000 without the need for a guarantor.

Shariah compliant financing.

No salary transfers

Early settlement at your convenience

Simple & quick financing process.

Flexible financing term ranging from 1 to 5 years

Available for Residents.

Required Documents

National ID/Iqama Copy.
Bank account statement for the last 3 months.
Salary Certificate Letter
Fill-off the finance application.

Personal Finance

Last updated on 01 May 2026

Personal Finance

10,000

12 months

0.50%

29.23%

950

Personal Finance

25,000

24 months

0.50%

28.66%

1,333

Personal Finance

50,000

36 months

0.50%

27.79%

1,972

Personal Finance

80,000

48 months

0.50%

26.95%

2,600

Personal Finance

100,000

60 months

0.50%

26.19%

2,833

Debt Transfer Financing

70,000

12 months

0.50%

24.94%

6,533

Debt Transfer Financing

150,000

24 months

0.50%

24.50%

7,750

Debt Transfer Financing

250,000

36 months

0.50%

23.84%

9,444

Debt Transfer Financing

370,000

48 months

0.50%

23.19%

11,408

Debt Transfer Financing

500,000

60 months

0.50%

22.60%

13,333

Expat Financing

20,000

12 months

0.50%

38.09%

1,967

Expat Financing

50,000

24 months

0.50%

37.13%

2,833

Expat Financing

250,000

36 months

0.50%

35.76%

10,694

Expat Financing

370,000

48 months

0.50%

34.48%

13,258

Expat Financing

500,000

60 months

0.50%

33.34%

15,833

Housewives

25,000

12 months

0.50%

31.41%

2,396

Education Fees Financing

50,000

12 months

0.50%

01.07%

4,166

APR may differ depending on the amount and the maturity period and subject to credit scoring of each customer

Finance Calculator

Online Portal

Total monthly income ( A ) *

296,252

Current monthly obligations A

296,252 A

Current monthly obligations ( A ) *

296,252 A

Sector

Basic Amount ( A )

163,000

Current monthly obligations ( A ) *

296,252

Current monthly obligations ( A ) *

296,252

Current monthly obligations ( A ) *

296,252

Apply now

Total monthly income

Tenure (months)

Current monthly obligations

Sector

Mortgage

Eligible Amount

Monthly Installment

Profit Rate

Apply Now

* The results of the data in the financial calculator may differ based on the result of the final evaluation, which includes the financing amount, repayment period, monthly deduction, and credit rating.

Frequently Asked Questions

Everything you need to know about Personal Finance at SFC

Ask Now

General Inquiries about the company

Where is the company located? Do they have branches?

The company is headquartered in Riyadh's Al Maather district and has 17 branches Kingdom wide.

What are the working hours?

The working hours are from 8:00 am to 4:30 pm.

What are the company products?

The company offers Tawarruq and Murabaha finance, auto leasing, and services for small and medium enterprises.

Are you a SIMAH member?

Yes, the company is a SIMAH member.

What are the approved employers you have?

All government and semi-government sectors are approved, as well as large companies.

What are the available commodities for Tawarruq?

The available commodities for Tawarruq are steel and vehicles.

How can I submit a complaint?

You can submit a complaint through e-channels:

Website
Customer Care toll-free Number: 8001240220
Email: Complaints@sihksa.com.sa
Branches and outlets

Funding inquiries

Is the Finance programs approved by Shariah compliant?

Yes, all programs are approved by Shariah compliant.

What is the minimum and maximum finance amount?

Finance amount starting from 10,000 and up to 500,000 for individual customers and from 250,000 up to 5,000,000 for business clients.

Is it required to transfer the salary to the Saudi Finance Company?

What is the minimum age?

The minimum age is 21 years.

Is the profit rate fixed?

Yes

Can I choose the repayment period?

Yes, you can choose from one to five years.

What is the number of years of service required to apply for financing?

Number of years of service required: 3 months for the government sector and semi-government, 6 months for the banking sector, and 12 months for the private sector and expatriates.

What are the documents required to apply for financing?

Updated salary certificate.
Original National ID / Iqama for Non-Saudis.

What are the means of applying for funding?

Through the website

Do you have management fees?

Yes, there is a management fee for individuals: 0,50% of the finance amount, maximum 2,500 plus 15% VAT.
For the business sector: 1% of the amount of finance plus 15% VAT.

Is the payment history through finance companies / banks affect the application decision?

Yes

Inquiries about existing financing

Is there a discount on early payment?

Yes, if you wish to pay off early, pay off the full balance of the finance amount plus the end cost for the three months following the repayment, calculated on the basis of the declining balance.

How can I pay monthly installments?

By submitting a form (Standing order / direct debit)

Personal Finance

Your Safe and Faster Financing Option

Overview

Features

Financing up to 3,000,000 without the need for a guarantor.

Shariah compliant financing.

No salary transfers

Early settlement at your convenience

Simple & quick financing process.

Flexible financing term ranging from 1 to 5 years

Available for Residents.

Required Documents

Personal Finance

Last updated on 01 May 2026

Finance Calculator

Total monthly income ( A ) *

Current monthly obligations A

Current monthly obligations ( A ) *

Sector

Basic Amount ( A )

163,000

Current monthly obligations ( A ) *

Current monthly obligations ( A ) *

Current monthly obligations ( A ) *

Total monthly income

Tenure (months)

Current monthly obligations

Sector

Mortgage

Eligible Amount

Monthly Installment

Profit Rate

Frequently Asked Questions

General Inquiries about the company

Funding inquiries

Inquiries about existing financing

Locate a branch

FAQ

Customer Service

Contact Us

Chairman

Shaikh Saad Alkhorayef

Experience

Education