SAMA-licensed digital bank owned by Saudi Telecom Company. Fully mobile-first; offers personal finance to both Saudi nationals and residents.
Min salary
4k SAR
Rate
5.50%–9.00%
Max amount
2.0M SAR
Fastest approval
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| Product | Type | Rate | Min salary | Max amount | Salary transfer |
|---|
| Personal Finance | Personal finance | 5.50% – 9.00% | 4k SAR | 2.0M SAR | Required |
bank
Regulated by Saudi authority
Multiple products
1 active financing products
Direct comparison
Compare against 33+ lenders, one application
The minimum salary at STC Bank starts from SAR 4k/month, varying by product type and applicant nationality. STC Bank offers 1 active financing products, each with its own salary floor — see the table below for per-product details.
Rates at STC Bank range from 5.50% to 9.00% 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.
STC Bank's maximum financing reaches SAR 2.0M, depending on product and borrower capacity. Eligibility calculation follows SAMA's 45% Debt Burden Ratio (DBR) cap.
Yes, some STC Bank products require salary transfer for the best rate. STC Bank also offers products without salary-transfer requirement at a higher rate. See the table below for per-product details.
Yes, STC Bank accepts residents on some products under specific terms (valid residency tenure, higher salary threshold, sometimes a Saudi guarantor). Terms vary per product.
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