Personal finance and leasing for individuals
Min salary
4k SAR
Rate
14.99%–47.52%
Max amount
24M SAR
Fastest approval
1 day(s)
| Product | Type | Rate | Min salary | Max amount | Salary transfer |
|---|
| Credit Cards | Other | 43.87% – 47.52% | — | 50k SAR | Not required |
| Personal Finance | Personal finance | 14.99% – 37.26% | 4k SAR | 200k SAR | Not required |
| Enterprise Finance | Working capital | 20.64% – 24.22% | — | 24M SAR | Not required |
SAMA-licensed
Regulated by Saudi authority
Multiple products
3 active financing products
Direct comparison
Compare against 33+ lenders, one application
The minimum salary at Nayifat Finance starts from SAR 4k/month, varying by product type and applicant nationality. Nayifat Finance offers 3 active financing products, each with its own salary floor — see the table below for per-product details.
Rates at Nayifat Finance range from 14.99% to 47.52% 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.
Nayifat Finance's maximum financing reaches SAR 24M, depending on product and borrower capacity. Eligibility calculation follows SAMA's 45% Debt Burden Ratio (DBR) cap.
Nayifat Finance's fastest product issues approval in 1 business day(s) after documents are complete. Other products may take longer depending on financing type. Through Diro you can submit one application reaching Nayifat Finance and other lenders, and compare offers in a single day.
Yes, Nayifat 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 Nayifat Finance and 33+ other SAMA-licensed lenders — directly comparing profit rate, monthly installment, and term. Zero commission, no obligation to accept any offer.
