How to Get a Loan from Al Rajhi Bank in 2025

Need fast financial support in Saudi Arabia? Al Rajhi Bank offers Shariah-compliant personal, car, and home financing options that are both accessible and convenient.

This comprehensive guide explains how to apply for a loan from Al Rajhi Bank, covering eligibility, documentation, online application, and approval timelines.

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🏦 What Types of Loans Does Al Rajhi Offer?

Al Rajhi provides Islamic finance (Murabaha) instead of traditional loans. Available options include:

• Personal Finance (Consumer Goods, Cash Finance)
• Car Finance (Leasing & Purchase)
• Home Finance (Murabaha, Ijarah)
• Education & Marriage Loans
• SME Business Financing

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✅ Who Is Eligible for an Al Rajhi Loan?

You must:

• Be a Saudi citizen or Iqama holder
• Be 18–60 years old
• Have a minimum monthly salary (SAR 2,000 for Saudis, SAR 5,000+ for expats)
• Be employed at an Al Rajhi-approved employer
• Have a salary transfer account with Al Rajhi

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📋 Required Documents

• Valid National ID/Iqama
• Salary certificate or employment letter
• Bank statements (3–6 months)
• Employer’s consent for salary transfer
• Completed finance application form

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🛠️ How to Apply for an Al Rajhi Loan (3 Options)

1. 🖥️ Online Application via Website

1. Visit www.alrajhibank.com.sa
2. Select your desired finance type
3. Fill out the loan request form
4. Upload documents and submit

Expect a call within 1 business day.

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2. 📱 Apply Through Al Rajhi Mobile App

1. Open the app > Go to Finance Products
2. Select “Apply for Personal/Car/Home Finance”
3. Input your income and ID details
4. Upload salary letter (if required)
5. Submit and await pre-approval

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3. 🏦 Visit the Nearest Branch

Prefer face-to-face?

• Bring original documents
• Request a consultation with the financing officer
• Receive same-day feedback on your application

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🔢 Loan Calculator: Know Before You Apply

Use Al Rajhi’s online loan calculator to:

• Estimate your monthly installment
• Understand the profit rate
• Compare tenures (12–60 months)

Try it here: Loan Calculator Tool

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⏳ How Long Does Approval Take?

• Online applications: 24–48 hours
• Branch applications: same-day or up to 3 business days
• Final disbursement: within 1–2 days post-approval

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💼 Tips to Improve Loan Approval

• Maintain a stable job with a registered employer
• Ensure clean credit history
• Transfer salary to Al Rajhi (mandatory for most loans)
• Avoid applying for multiple loans simultaneously

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🧠 FAQs About Al Rajhi Loans

Is interest charged?

No. Al Rajhi offers profit-based Islamic finance (Murabaha).

Can expats apply?

Yes—expatriates with a valid Iqama and salary transfer can apply.

Is a guarantor required?

Not usually, unless your employer is not on Al Rajhi’s approved list.

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Al Rajhi Bank makes getting a Shariah-compliant loan in Saudi Arabia simple—whether you need funds for personal use, a new car, or a dream home. With multiple application methods, quick processing, and competitive profit rates, it’s one of the most reliable options for financial support in 2025.

Be prepared, meet eligibility criteria, and leverage the digital tools for a smooth and fast approval experience.