Ministry of Interior — including Passports, Civil Defense, Security, and Citizenship. Military and security personnel are among the strongest credit-rated employee segments.
2,000,000
SAR max amount
5% – 9% APR
expected APR
Up to 5 years
repayment term
Security and military personnel have exceptional job stability and salaries boosted by cash allowances (field, hazard, housing). Banks count these allowances in affordability calculations, significantly raising the maximum loan. Some banks offer a dedicated 'military financing' product with special terms.
Lower profit rates
5% – 9% APR
Higher limits
Up to SAR 2,000,000
Faster approval
24–48 hours
SAR 5,500 – 45,000+
Higher salaries unlock higher limits and longer terms. Diro calculates your exact limit based on your salary.
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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.
The Ministry of Interior covers Public Security, Passports, Civil Defense, Border Guards, and Traffic — over 200,000 employees total. Military and security cadres operate under a separate Security Personnel Pay Scale with substantial speciality allowances that can exceed 50% of base salary (field allowance, hazard allowance, night-shift allowance). Banks classify MoI employees under "Security & Military Cadres" — a category with preferential terms at major banks.
Standout point: Border Guards and Civil Defense personnel serving in remote areas qualify for remote-posting allowance plus deployment allowance, adding 25-30% to total income. Al Rajhi and Alinma include these allowances in the maximum-loan calculation in full, provided 12 months of receipts are documented. This pushes the maximum loan size 30-40% higher than what the base salary alone would support.
Automatic deduction at source is available via the "Hafiz" payroll system used by most military cadres, which gives banks high credit confidence and reduces offered rates by roughly 0.5-1% APR. Graduates of King Khalid Military Academy access dedicated post-commission financing programs from Riyad Bank after two years of service. MoI retirees on full pension also retain preferential terms — many banks treat the military pension as equivalent to active salary for loan eligibility purposes.
Yes. Most major banks count regular cash allowances (field, hazard, nature-of-work) in monthly affordability calculations. This can raise the maximum loan by 20–40%.
Usually no for personal loans. For large loans (above SAR 1M), some banks may request salary confirmation from the employer. Diro surfaces exact requirements before you apply.
Yes. Military retirees qualify for financing secured by pension income. Maximum amount is lower than active employees, but terms are still favorable.
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