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Flexible Finance Program                                                                                                                  LAST UPDATE 7 DEC 2023

For the first time, now you can get the maximum finance amount based on the maximum (DBR) Debit Burden Ratio allowed in line with your existing financial obligations and their payment tenor, by changing the monthly payment for Personal Finance.​ 


  • Shariah compliant
  • Cash liquidity.
  • Instant approval
  • Possible through New/ Top-up and Additional financing.
  • Repayment periods up to 60 months
  • Possibility of early settlement.
  • Possibility of postponing the installment of the month of Ramadan.
  • Insurance coverage in case of death or total disability (God forbid) as per insurance policy terms and conditions

 Terms and Conditions

SectorsGovernment sector or Private sector non-inducted companies who transfer their employee's salary through Sarie system through AlAhli bank.
Minimum Salary
  • 3,000 SAR for Government sector
  • 4,000 SAR for private sector
Minimum Months on Job

1 month for government sector and big companies

4 months for inducated private sectors

Finance amount 5,000 SAR up to 1,500,000 SAR
AgeMinimum 18 years for Saudis and must be less than 60 years at the date of last installment, except for retirees 75 years​.


  • Only Local commodity financing
  • Monthly payments are variable as per the payments schedule and the features of Flexi PF
  • In case of early settlement of other financial obligation, the monthly payment will not be changed and will stay based on payment schedule

Terms and conditions applied.

Administrative fee is 1% of the amount of financing or (5,000 SAR) whichever is lower.

Fees for authorizing the sale of a commodity to a third party: 0% From the cost of the First Party purchasing the commodity.

Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years4.55%1,841​ SAR
200,000 SAR5 Years
4.06%3,640  SAR
350,000 SAR5 Years
6,341 SAR

 The 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.

For more information, please contact SNB Customer Service (Sales Unit) in Phone Banking on 8002441005