Saudi Arabia's largest bank, formed from the NCB–Samba merger. Offers its employees the best internal financing terms.
2,500,000
SAR max amount
4% – 8% APR
expected APR
Up to 5 years
repayment term
SNB employees get internal financing at highly competitive rates (below market). They can also apply to other banks on excellent terms. Their credit tier is the highest at every lender.
Lower profit rates
4% – 8% APR
Higher limits
Up to SAR 2,500,000
Faster approval
24–48 hours
SAR 7,000 – 60,000+
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 Saudi National Bank (SNB) 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.
Saudi National Bank (SNB) is the largest bank in Saudi Arabia, formed by the 2021 merger of the National Commercial Bank and Samba Financial Group. It employs over 14,000 staff. Banking employees enjoy preferential financing access — both because their income is steady and their SIMAH files tend to be unusually clean. Banks compete aggressively to acquire each other's staff, treating them as premium credit risks.
Key detail: SNB employees access financing from their own bank at an internal "staff rate" that's 1-2% APR below standard pricing. That internal advantage makes switching banks less attractive unless the employee needs a larger amount than SNB will lend. Competing banks — Al Rajhi, Riyad Bank — run "banker acquisition" offers with matching rates for staff considering a salary transfer.
Important note: SNB employees in Risk, Compliance, and Internal Audit functions may have internal-conduct restrictions on the type of financing they can take from competing institutions. The bank's End-of-Service Benefit (EOSB) for banking employees follows a different formula and may not be counted by lenders when sizing the maximum loan tied to retirement. SNB Wholesale Banking and Treasury staff typically command higher base salaries (often SAR 25K+) and qualify for the bank's premium financing tier.
Internal is usually much cheaper (4–5% rates vs 7–9% externally). But external may offer larger amounts or more flexible terms. Diro compares the internal offer against 34 external lenders so you can pick.
No legal restrictions. SNB employees can apply to any other bank or finance company. The only wrinkle: some banks may require disclosure of SNB internal obligations as part of affordability calculation.
Regular bonuses (monthly/quarterly) are counted in affordability. Annual bonuses may be partially counted (50–80%) depending on the bank. Base salary + fixed allowances form the core.
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