Honest, transparent, Shariah-compliant personal financing from Riyadh to all of Saudi Arabia.
A Riyadh-based financing company serving customers across the Kingdom.
STC Bank is a Riyadh-based financing company serving customers across the Kingdom of Saudi Arabia. We provide simple, transparent and Shariah-compliant personal financing — from SAR 10,000 up to SAR 250,000 — with absolutely zero interest and zero markup.
Our purpose is to make financing honest. Traditional financing hides its cost inside interest rates and markups; we removed them entirely. What you borrow is what you repay — divided simply over your chosen tenure, with every fee disclosed to you before you pay a single riyal.
Three principles guide every product we build and every decision we make.
No hidden charges, no fine-print surprises — every fee is told to you upfront, in writing.
Every product is certified Shariah-compliant — 0% Riba, reviewed by our supervisory board.
Real humans on WhatsApp, email and hotline — supporting you at every step of your journey.
Simple maths, flat fees, and no surprises — here is how we stand apart.
Your monthly instalment is simply amount ÷ tenure — the maths fits on one line, because there is nothing hidden.
One flat processing fee of SAR 180 — not a percentage of your financing amount.
You pay the bank transfer fee once — your full financing amount is then transferred to you.
Most applications are decided within minutes, and disbursement follows as soon as verification completes.
Flexible early repayment with zero penalties — always.
Licensed and registered with the Kingdom's commercial and financial authorities — see our License & Certificates page.
We're here to help — reach out through any channel below.