Disclosure of Annual Percentage Rate for Personal Loan

Annual Percentage Rate (APR):

The discount rate at which the present value of payments and installments that are due from the Borrower, representing the Total Amount Payable by the Borrower, equals the present value of all payments of the Amount of Financing available to the Borrower on the date on which the Financing amount or the first payment thereof is available to the Borrower.

Personal Loans Products:

Example of Tawaruq Personal loan for employed customer working in governmental sector as below:

Finance Amount (SAR) *Annual Percentage Rate (APR) Maturity in years Monthly repayment amount (SAR)
100,000 4.23% 5 Years 1,833

*APR may differ depending on the amount and the maturity period different from above and subject to credit scoring of each customer.


Example of Murabaha Personal loan for employed customer working in private sector as below:

Finance Amount (SAR) *Annual Percentage Rate (APR) Maturity in years Monthly repayment amount (SAR)
105,779.71 8.63% 5 Years 1,762.99

*APR may differ depending on the amount and the maturity period different from above and subject to credit scoring of each customer.


Example of Tawaruq Personal loan for retired customer as below:

Finance Amount (SAR) *Annual Percentage Rate (APR) Maturity in years Monthly repayment amount (SAR)
11,000.00 6.23% 5 Years 210.73

*APR may differ depending on the amount and the maturity period different from above and subject to credit scoring of each customer.

Credit Cards

Credit Cards

Distinct set of credit cards with innovative banking solutions to meet unique lifestyle.
Auto Leasing

Auto Leasing

Owning a vehicle without having to pay the full amount upfront. Riyad Bank’s Auto Leasing program allows you to conveniently own a car of your choice.
Home Finance

Home Finance

Owning or building your dream home does not have to be your biggest concern. Our mortgage advisors will guide to choose the type of finance that would better meet your requirement.