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Additional Finance                                                              LAST UPDATE 13-09- 2021

An additional finance may be obtained if there is an increase in salary or in-case of not utilizing the maximum eligible Debt Burden Ratio.


·         Shariah compliant.

·         Instant approval.

·         Repayment periods up to 60 months.

·         Possibility of postponing the installment of the month of Ramadan.

·         Possibility of early settlement.

·         Insurance coverage in case of death or total disability (God forbid) as per insurance policy terms and conditions.

  • Terms and conditions applied
  • Administrative fees: 1% of finance amount or SAR 5,000 (whichever is less)
  • Administrative fees is included in APR

Terms and Conditions:

NationalitySaudis & Non-Saudis.
SectorsGovernment sector or Private sector inducted and non inducted companies who transfers their employee's salary through Sarie system through al Ahli bank.
Minimum SalarySAR 3,000 Saudis & SAR 4,000 Non-Saudis.
Minimum Months on Job

1 month for Saudis in Government sector.

3 months for Saudis in the big 5 and non-Saudis in the government sectors and big private companies.

1 year for Saudis & Non-Saudis in Private sector.

Minimum Finance amount 5,000 SAR up to 1,500,000 SAR
Minimum Age18 years for Saudis & 22 years for Non-Saudis and must be less than 60 years at the date of last installment, except for retirees 75 years.

Terms and conditions applied.
Administrative fees 0% 

Additional Personal Finance by Local Commodities: 

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years0.98%1,708 SAR
200,000 SAR5 Years
1.18%3,433 SAR
350,000 SAR5 Years1.37%6,213 SAR

The table above and its numbers is an illustrative example only to show the annual percentage rate, which is dependent on three variables (Finance amount, profit rate, and loan tenor)

Additional Personal Finance By Local Shares:

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years2.15%1,758 SAR
200,000 SAR5 Years2.34%3,533 SAR
350,000 SAR5 Years2.53%6,213 SAR

For more information, please contact SNB Customer Service (Sales Unit) in Phone Banking on 8002441005The above table is for example purposes as APR may differ depending on the finance amount, salary amount, employer and maturity period and subject to credit scoring of each customer.