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FINANCE for Non-Payroll Customers                                               LAST UPDATE 4 JULY 2022


Get instant cash for non payrolling cutomers to apply for New/ Topup & additional loan


  • Without salary transfer.

  • Shariah compliant.

  • Instant approval.

  • Repayment periods up to 60 months.

  • Possibility of postponing the installment of the month of Ramadan.

  • Possibility of early settlement.

  • Insurance coverage in case of death or total disability (God forbid) as per insurance policy terms and conditions.


  • SNB account

  • Salary certificate shows month on job

  • GOSI certificate

  • 3 Months bank statement

Terms and Conditions

NationalitySaudis only
SectorsGovernment sectors and big 5
Minimum Salary
9000 for civilian
7000 for military
9000 for big 5
3000 for Aramco
Minimum Months on Job6 Months
Finance amount 5,000 SAR up to 500,000 SAR
Minimum Age18 years and must be less than 60 years at the date of last installment, except for retirees 75 years.

Terms and conditions applied.

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



Finance AmountMaturity in Years*APRMonthly Payment Amount
100,000 SAR5 Years3.89%1,792 SAR
200,000 SAR5 Years
 3,603 SAR
350,000 SAR5 Years
4.77%6,402 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