FAQs

Personal Financing

1. How can I apply for financing?
  • You can apply by visiting one of our branches, visiting the company’s website, contacting the unified company number at 8001000088, or us-ing the Al-Nayifat application.
2. Can Non-Saudis obtain financing?
  • Certainly, with special offers provided.
3. What are the available repayment periods?
  • Repayment periods can be determined based on the customer’s needs and typically range from 12 months to 60 months.
4. Can I repay early?
  • Yes, customer can repay their financing early.
5. Can I apply for refinancing?
  • Yes, customer can obtain refinancing.

Credit Card

1. How can I apply for an Al-Nayifat credit card?
  • You can apply by visiting one of our branches, visiting the company’s website, contacting the unified company number at 8001000088, or us-ing the Al-Nayifat application.
2. How can I activate my card?
  • You can activate your card through Al-Nayifat’s electronic services or by calling the toll-free number 8001000088.
3. Can I use my Al-Nayifat credit card for online transactions, point-of-sale (POS) payments, websites, and ATMs within or outside the Kingdom?
  • Yes, absolutely.
4. Can I issue additional cards for my family members?
  • Yes, you can upon request.
5. How can I settle my credit card payments?
  • Easily, through Al-Nayifat branches, direct debit, or SADAD.
6. What is the cash withdrawal limit?
  • The cash withdrawal limit is 30% of the total credit card limit.
7. What should I do if my card is lost or stolen?
  • Immediately call the unified number 8001000088 to report the lost or stolen card, or block it through the application.

SME

1. What types of financing are available for establishments?
  • Point-of-sale (POS) financing – Working capital financing – Tax financing.
2. What are the requirements to apply for business financing?
  • The establishment must be at least two years old – Financial statements are required.
3. What repayment methods are available?
  • Repayment can be done on a monthly, quarterly, or semi-annual basis, depending on the establishment’s financial flows.
4. Can I repay early?
  • Yes, customers can repay their financing early.
5. What is the maximum financing limit for businesses?
  • You can finance your business with an amount up to 24 million SAR.
6. Can I apply for refinancing for my establishment?
  • Yes, you can obtain refinancing for your estab-lishment.