All government ministries and agencies — over 1.3 million employees. The top credit tier at every lender.
2,000,000
SAR max amount
5% – 9% APR
expected APR
Up to 5 years
repayment term
Saudi government employees are in the top credit tier, without exception. The government guarantees salaries, and the direct-deduction system via the Ministry of Finance lets lenders offer higher limits and lower rates than any other employment segment.
Lower profit rates
5% – 9% APR
Higher limits
Up to SAR 2,000,000
Faster approval
24–48 hours
SAR 5,500 – 50,000+
Higher salaries unlock higher limits and longer terms. Diro calculates your exact limit based on your salary.
A sample of qualifying lenders. Diro shows you the full list tailored to your salary and credit profile.
Choose Government Sector (General) from the employer list — Diro shows only lenders accepting your employer.
Instantly see expected offers from 4–8 lenders with rates, max amount, and monthly installment.
Pick your best offer and continue with the lender via the platform. Funding in 24–48 hours.
Government employees get: higher limits (60% more on average), lower rates (2–3% below), longer terms, and faster approval. Primary reason: government salary guarantee.
Generally no — all government employees sit in the same top tier. Small differences come from salary (higher salary → higher limits) and some dedicated products (military, teacher).
Promotions raise your salary and thus your maximum loan. You can request an increase to an existing loan right after a promotion, or apply for additional financing. Some banks offer this automatically.
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