Fast Personal Loan Without Guarantor or Salary Transfer | Best Loan Offers in Saudi Arabia 2025

Personal Finance

Discover personal finance offers tailored to your needs and aligned with your financial and credit profile—delivered in the smartest, fastest, and most transparent way.

Submit your application

Discover the best personal financing offers in Just 30 Seconds

With Arib – Your leading digital brokerage in finance – easily find the most suitable personal financing offers from licensed finance providers in the Kingdom of Saudi Arabia, tailored to your financial needs and capabilities.

Save your time and start comparing now!

Benefits of Getting a personal finance through Arib

Personal finance amounts available up to SAR 1 million
Flexible Installments with a repayment period of up to 5 years
Partnering with 25+ licensed personal Finance providers in the Kingdom
Financing solutions aligned with Sharia-compliant
Simple and fast process with no paperwork hassles
Available for both Saudi nationals and non-Saudi residents
Competitive Annual Percentage Rate (APR), starting at 4.5%, and varying based on the finance amount and repayment term set by the finance providers.

(For example, if you borrow an amount of SAR 18,750 for a term of 12 months with an Annual Percentage Rate (APR) of 15%, the monthly payments will be SAR 1,690, and the total due amount will be SAR 20,280.)

Requirements to secure a personal finance through Arib

The applicant must be employed and registered with Social Insurance (GOSI)
Minimum salary requirement: 4,000 SAR
For residents, a valid residency permit is required
Maximum age limit: 65 years
The applicant’s credit profile must align with the finance provider’s credit policy
Monthly installment and financial obligations must not exceed the maximum limit set by the Saudi Central Bank

FAQs About Personal Finance

How much can I borrow with personal finance offers through Arib?

The finance amount depends on the lender and your financial and credit profile.

Can I get personal Finance without a guarantor through Arib?

Yes, Arib connects you with a variety of financing offers from Saudi banks and Finance companies, including personal finance programs that do not require a guarantor.

Is a personal finance without salary transfer available for individuals with existing financial obligations?

Yes, Arib connects you with a variety of financing offers options without salary transfer, even if you have existing commitments. However, eligibility depends on the following conditions:
- Your monthly deductions must not exceed the maximum limit set by the Saudi Central Bank.
- No recorded defaults with SIMAH.
- Compliance with the financing provider’s eligibility criteria and credit policy.

If my salary is SAR 5,000, how much personal finance can I get?

Yes, you may be eligible for a personal finance of up to SAR 1,000,000, depending on your financial and credit profile, including factors such as:

- Type of employment (government or private sector)
- Credit history (SIMAH report)
- Preferred repayment period (up to 5 years)

Use our personal finance calculator to find out how much you can get—in just minutes.

What is the fastest way to get a personal finance in Saudi Arabia?

Get instant personal finance within 24 hours by following these simple steps:

- Register on Arib platform: arib.com.sa
- Fill in your personal and financial details
- Enter the financing details you're looking for
- Compare available personal finance offers
- Choose the best personal finance offer and submit your application online
- Upload any required documents (if needed)
- Receive instant approval
- Get your finance amount transferred directly to your bank account

Can residents in Saudi Arabia apply for personal finance?

Yes, some personal financing programs are available for non-Saudi residents, provided they meet the eligibility requirements and their profile aligns with the finance provider's credit policy.