Micro personal finance for individuals
Min salary
2k SAR
Rate
13.50%–57.53%
Max amount
1.5M SAR
Fastest approval
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| Product |
|---|
| Type |
|---|
| Rate |
|---|
| Min salary |
|---|
| Max amount |
|---|
| Salary transfer |
|---|
| Auto Lease | Auto finance | 15.65% – 15.71% | 3k SAR | 200k SAR | Not required |
| Micro Finance | Microfinance | 52.74% – 56.77% | 4k SAR | 25k SAR | Not required |
| Ucard Platinum Credit Card | Other | 43.81% – 57.53% | — | 100k SAR | Not required |
| Direct Personal Finance | Personal finance | 13.50% – 23.95% | 2k SAR | 150k SAR | Not required |
| Buyout | Personal finance | 13.50% – 23.95% | 2k SAR | 1.0M SAR | Not required |
| Top-Up Finance | Personal finance | 13.50% – 23.95% | 2k SAR | 1.5M SAR | Not required |
| Re-Finance | Personal finance | 13.50% – 23.95% | 2k SAR | 150k SAR | Not required |
SAMA-licensed
Regulated by Saudi authority
Multiple products
7 active financing products
Direct comparison
Compare against 33+ lenders, one application
The minimum salary at Emkan Finance starts from SAR 2k/month, varying by product type and applicant nationality. Emkan Finance offers 7 active financing products, each with its own salary floor — see the table below for per-product details.
Rates at Emkan Finance range from 13.50% to 57.53% APR, depending on product, credit profile, salary, and term length. Advertised rate does not reflect individual offers — actual rate is confirmed after SIMAH check and underwriting.
Emkan Finance's maximum financing reaches SAR 1.5M, depending on product and borrower capacity. Eligibility calculation follows SAMA's 45% Debt Burden Ratio (DBR) cap.
Yes, Emkan Finance accepts residents on some products under specific terms (valid residency tenure, higher salary threshold, sometimes a Saudi guarantor). Terms vary per product.
Submit one application via Diro and you'll get offers from Emkan Finance and 33+ other SAMA-licensed lenders — directly comparing profit rate, monthly installment, and term. Zero commission, no obligation to accept any offer.
