Finance made possible.
A fully digital financing experience from Emkan Finance — flexible solutions for personal goals, cars, purchases and everyday spending.
Explore up to SAR 1.5 million on eligible products, with no salary transfer on many plans, no employer guarantee on selected finance, and a straightforward app journey.
Shop premium brands on installments
Open the full store with real product images, colours, variations and a mandatory first down payment.
Simple costs, no surprises
Key financing terms shown before you apply.
Processing fee after approval
SAR 200Payable only after your loan is approved, in your selected market currency.
0% interest
0%No interest charged on the financing amount.
0% markup
0%No additional markup applied to the approved financing.
Solutions that fit your needs
From small-ticket cash to auto leasing and cashback cards — choose a product and see its amounts, terms and eligibility at a glance.
Designed around real-life goals
A closer look at the digital experiences and products available through Emkan Finance.
Your next goal, without the paperwork.
Apply in the app, upload your details, select an amount and repayment period, then sign digitally.
Shop local. Earn more.
Shariah-compliant credit cards with up to 10% cashback on Platinum, digital issuance and wallet support.
Own your dream car.
Financing up to SAR 1 million, up to five years, no salary transfer and comprehensive insurance throughout the term.
Small amounts, simple process.
Microfinance from SAR 2,000 to SAR 50,000, with repayment periods up to 36 months and no guarantor.
Pay for purchases your way.
Finance purchases from participating merchants up to SAR 80,000 through a purely digital, paperless experience.
Interactive finance calculator
Estimate an instalment using your amount and repayment period.
Build your estimate
Choose a product, amount and repayment period.
How to apply
Four straightforward steps, from downloading the app to signing your contract.
Download & register
Get the Emkan app on iOS or Android and create your account.
Submit your details
Enter your information and upload the required documents.
Choose your plan
Select the eligible amount and repayment period that suits you.
Sign & receive
Sign the digital contract and receive funds in your submitted bank account.
Your finance, in your hands.
Emkan brings product discovery, eligibility, applications, documentation and contract signing into one secure digital journey.
Built to make finance feel easier
A customer-centred digital finance company focused on flexibility, speed and trust.
Uncomplicated
Minimal paperwork and a guided app journey for everyday financing needs.
Fast
Digital submission and rapid decisions on selected products, without branch visits.
Your needs answered
A broad product range covering cash, cars, retail purchases and cards.
Ever-ready support
Customer care by phone and email, with extended daily working hours.
Leading fintech with customer-centric solutions
Emkan Finance is a Saudi closed joint-stock company under the authority and supervision of the Saudi Central Bank. It delivers innovative digital financial solutions for different segments of society, with no salary transfer required on many products.
“To be a leader in delivering innovative finance solutions that focus on customers and drive shareholder value through market leadership, making the most of global opportunities.”
*As described in Emkan's 2024 audited financial statements; the company was wholly owned by Al Rajhi Banking and Investment Corporation at that time.
Published product pricing
Representative Emkan product pricing for your selected market.
Representative APR examples
Official page last update: 01/04/2026| Product example | Finance amount | Period | Monthly instalment | APR |
|---|---|---|---|---|
| Microfinance | SAR 30,000 | 12 months | SAR 3,100.00 | 56.77% |
| Top-Up Finance | SAR 100,000 | 60 months | SAR 2,665.83 | 20.30% |
| Refinance | SAR 100,000 additional | 5 years | SAR 2,395.83 | 13.94% |
| Auto Lease | SAR 100,000 | 60 months | SAR 1,520.83 + balloon payment | 15.65% |
| Buyout Finance | SAR 100,000 | 5 years | SAR 2,374.17 | 14.91% |
| Direct Personal Finance | SAR 100,000 | 5 years | SAR 2,686.67 | 20.67% |
Everything you need to know
Frequently asked questions and official contact channels for Emkan Finance.
Frequently asked questions
Tap a question to read the answer.
Microfinance, Top-Up, Direct, Refinance and Buyout personal finance, Auto Lease, Retail Finance and Ucard credit cards. Emkan also received a SAMA licence for Buy Now, Pay Later services in 2024.
Emkan presents its financing solutions as Shariah-compliant. Structures vary by product — for example, Ucard uses Murabahah and Auto Lease follows Sharia requirements. Review the product terms and the Shariah Committee information on the official website.
Many Emkan products explicitly require no salary transfer, and selected products require no employer guarantee. Eligibility, salary minimums and age ranges differ by product, so check the individual requirements before applying.
Download the Emkan app, register, submit your information and documents, choose the amount and repayment period after approval, then sign the digital contract. Funds are sent to your submitted bank account.
Emkan's published pricing examples state an administrative fee of 0.5% of the financing amount or SAR 2,500, whichever is lower, with VAT applicable as required. Final costs are disclosed in your contract.
Early settlement terms and the calculation of profit are governed by your contract and SAMA's Consumer Financing Regulations. Contact Emkan customer care for an exact settlement quote before making a payment.
Pay the processing fee immediately after approval. If you do not pay on time, your application will be rejected.
Contact Emkan
Official customer care, sales and branch information.
800 124 0251 · 9200 11038
Care: 8:00 AM–12:00 AM · Sales: 8:00 AM–10:00 PM
Emkan Finance branch, 8476 2657, Riyadh 12263
Registered: 2382 Road 92, Olaya, Unit 1, Riyadh 12214-9355
Main branch: Sunday–Thursday, 9:00 AM–5:00 PM
Credit card support: 24/7 through e-channels
Prefer the app?
Download Emkan Finance for the fastest way to explore products and submit an application.
Ready to make your next move possible?
Explore products, calculate an estimate and apply through the official Emkan Finance app.