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Personal Finance

Door to meet your financial aspirations

Emirates NBD’s Shariah Compliant Personal Finance is the door to meet your financial aspirations.
Shariah Compliant
Shariah Compliant

Financing Tenor Up to 60
Financing Tenor Up to 60

Financing amount Up to SAR 4 Mn
Financing amount Up to SAR 4 Mn

Refinancing options
Re-financing options

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*Terms & conditions apply
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Islamic Salary Transfer Personal Financing

Convenience with complete peace of mind

Have complete peace of mind while getting high finance amounts and enjoying convenient Direct Debit repayments to help you achieve what's most important to you.

  • Shariah compliant
  • Low Annual percentage rate starting from 5.75% (5 year tenor)*
  • Financing up to SAR 3,000,000
  • Monthly installments period up to 60 months
  • Possibility of refinance after paying 20% of finance principal (with Zero management fees)
  • Personal Finance Balance Transfer from other banks available
  • In case of customer's death or permanent disability, total outstanding finance amount will be waived

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Islamic Non-Salary Transfer Personal Financing

The financial flexibility you've been looking for

Enjoy attractive rates and high finance amounts for the financial flexibility you need with no salary transfer required.

  • Shariah compliant
  • Salary transfer not required
  • Low Annual percentage rate starting from 8.61% (5 year tenor)*
  • Monthly installment period up to 60 months
  • Possibility of refinance after paying 20% of finance principal (with Zero management fees)
  • In case of customer's death or permanent disability, total outstanding finance amount will be waived
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Islamic NonSalary Transfer Personal Financing
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Islamic Balance Transfer Personal Financing

Save for what matters most to you

Consolidate all your payments and get more competitive terms on your existing financing from other banks. Our Islamic Balance Transfer Financing offers you low profit rates and lower monthly installments along with a host of other advantages.

  • Shariah-compliant Personal Financing
  • Low Annual percentage rate starting from 5.75% (5 year tenor)*
  • Option to apply for additional funds (with Zero management fees)
  • Available for Salary Transfer and Non-Salary Transfer customers
  • In case of customer's death or permanent disability, total outstanding finance amount will be waived along with

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Personal Finance Example

Islamic Salary Transfer Financing

  • Example 1: For personal finance of SAR 200,000 over 60 months, the APR will be 5.32% and the monthly installment will be SAR 3,791
  • Example 2: For personal finance of SAR 150,000 over 36 months, the APR will be 4.86% and the monthly installment will be SAR 4,479
  • Example 3: For personal finance of SAR 100,000 over 12 months, the APR will be 4.21% and the monthly installment will be SAR 8,521

Islamic Non – Salary Islamic Financing

  • Example 1: For personal finance of SAR 200,000 over 60 months, the APR will be 8.15% and the monthly installment will be SAR 4,042
  • Example 2: For personal finance of SAR 150,000 over 36 months, the APR will be 8.26 % and the monthly installment will be SAR 4,698
  • Example 3: For personal finance of SAR 100,000 over 12 months, the APR will be 8.04% and the monthly installment will be SAR 8,688

Islamic Balance Transfer Personal Financing

  • Example 1: For personal finance of SAR 200,000 over 60 months, the APR will be 5.32% and the monthly installment will be SAR 3,791
  • Example 2: For personal finance of SAR 150,000 over 36 months, the APR will be 4.86% and the monthly installment will be SAR 4,479
  • Example 3: For personal finance of SAR 100,000 over 12 months, the APR will be 4.21% and the monthly installment will be SAR 8,521

Renege Personal Finance: In the event that the customer does not fulfill its obligations, the bank has the right to merge, consolidate and deduct the credit balance from the client’s accounts provided that a judicial order is issued.
Responsible Financing: Please ensure that you can manage all existing and future financial commitments prior to taking further financing – failure to do so will result in a negative SIMAH score and difficulty availing finance products.

Please Note: - For more information about Emirates NBD Credit Cards call us from KSA at 800 754 777, and outside KSA at +966112825566
- Emirates NBD - KSA is regulated by SAMA.Emirates NBD, Gulf Bank Branch, Commercial Registration No. 1010191741 P.O. Box 8166, Telephone: 011 282 5555
- National Address: 8152, King Fahd Road, AlMuhammadiyah District, Unit 1, Riyadh 12363 – 4380
- Certified with the Certificate number 1 / 150. Licensed and Regulated by SAMA
www.emiratesnbd.com.sa

Islamic Non-Salary Transfer Personal Financing

Example 1: For personal finance of SAR 200,000 over 60 months, the APR will be 8.15% and the monthly installment will be SAR 4,042.
Example 2: For personal finance of SAR 150,000 over 36 months, the APR will be 8.26 % and the monthly installment will be SAR 4,698.
Example 3: For personal finance of SAR 100,000 over 12 months, the APR will be 8.04% and the monthly installment will be SAR 8,688.
* (Management Fees are waived as part of our Relief Measures for the COVID-19 period.) APR may differ depending on the amount and maturity period different from the above examples and subject to credit scoring of each customer.

Islamic Balance Transfer Personal Financing

Example 1: For personal finance of SAR 200,000 over 60 months, the APR will be 5.32% and the monthly installment will be SAR 3,791.
Example 2: For personal finance of SAR 150,000 over 36 months, the APR will be 4.86% and the monthly installment will be SAR 4,479.
Example 3: For personal finance of SAR 100,000 over 12 months, the APR will be 4.21% and the monthly installment will be SAR 8,521.
* (Management Fees are waived as part of our Relief Measures for the COVID-19 period.) APR may differ depending on the amount and maturity period different from the above examples and subject to credit scoring of each customer.

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