Waitlist Open · المملكة العربية السعودية

Get financing
matched to your
salary.

Connect your bank. Get your rate in 60 seconds. Repay a fixed agreed amount — no hidden fees, no admin charges, no branch visit required.

No spam  ·  Waitlist only  ·  Unsubscribe anytime

My Financing
SAR 25,000
11.4% fixed rate
You receiveSAR 25,000
Fixed total repaymentSAR 27,850
Admin feesSAR 0
Salary transferNot required
Hidden chargesNone
Total agreed and locked on day one. Repaid monthly over 12 months matched to your salary dates.
60 sec
Rate decision
SAR 0
Admin fees
Fixed
Total repayment
Open
To all borrowers
Repayment Strength Score
BuildingStrongExcellent
60 sec
Rate decision
SAR 0
Admin fees
Fixed
Rate type
Open
To all currently
2,000+ Waitlist signups
SAR 0 Hidden fees
60 sec To get your rate
100% Sharia-compliant
Compare

See how SARF compares

Most Saudi bank personal finance products offer better rates only when you transfer your salary to them — and charge admin fees on top. Sarf uses open banking to read your income wherever your salary lands, with a fixed total agreed on day one.

Lender
Rate
Structure
Who can apply
SarfWaitlist open
8–16% fixed total
Fixed — agreed day one
Join waitlist →
Al Rajhi Bank
17–22% profit rate equiv.
Best rates require salary transfer & approved employer
Min SAR 5,000 salary
Saudi National Bank
16–20% profit rate equiv.
Best rates via salary transfer. Admin fee 1% + 15% VAT
Non-transfer option at higher rate
Riyad Bank
17–21% profit rate equiv.
Best rates require salary transfer + admin fee
Non-transfer option available
Lendo
Not for individuals
SME invoice financing only
Businesses only
Tamara / Tabby
Buy now pay later
Retail purchases only
Not personal financing
STC Pay / stc bank
Limited personal financing
STC customers only
Restricted eligibility
Saudi bank rates are Murabaha/Tawarruq profit rates shown as effective annual equivalents for comparison. Sarf rate is projected based on comparable income-linked benchmarks. Subject to SAMA licensing and underwriting at launch.
Why Sarf

Personal financing. Reimagined.

Saudi banks have offered the same personal finance product for decades. Sarf uses open banking and income data to give you a faster, fairer, and more transparent experience.

Instant Decision
Rate in 60 seconds
Connect your bank account. Sarf reads your income, cash flow, and financial behavior in seconds. No paperwork, no branch visit, no waiting weeks for approval.
Your Salary Stays Yours
No salary transfer required
Most Saudi banks give their best rates only when you transfer your salary to them. Sarf uses open banking to verify your income wherever your salary lands — no transfer required, same great rate.
No Surprises
Fixed total — agreed day one
Your total repayment is locked when you sign. SAR 25,000 borrowed means SAR 27,850 repaid — total, fixed, agreed upfront. No monthly recalculations.
Launching Soon
Builds your Sarf score
Every on-time repayment improves your Sarf Repayment Strength Score — automatically unlocking better rates and higher amounts on your next agreement.

Financing that works
for everyone.

Better rates. Fixed total. No admin fees.

sarfsend@gmail.com  ·  sarfspace-ksa.com