About Us

Emkan Finance is a leading omnichannel fintech brand delivering digital financing solutions to Saudi nationals seeking micro-financing assistance through personal and consumer loans.

Fully owned by Al Rajhi Bank, one of the largest banks in the world, Emkan is under the authority and supervision of the Central Bank of Saudi Arabia and delivers solutions compatible with Islamic Law.

Emkan micro-financing services are fully digital, designed to be accessible through its mobile application available on AppStore or GooglePlay. The app is powered by a smart engine that allows for seamless decision-making without the need for manual intervention. Financing is coursed digitally as well, allowing users to get the loan amount in their account once it gets approved.

Clients can also opt to process their applications by visiting one of the Emkan branches in the region, where they can get assistance from qualified employees trained in providing personalised, efficient, world-class service.

The company seriously invests in maintaining transparency between Emkan and its clients. As such, it has established mechanisms that provide access to the full details of each loan anytime, including the amount of the loan, interest rate, repayment period and monthly payment schedules.

With its state-of-the-art solution that combines the best of digital technology and human-centred, sincere service, Emkan is now one of the top-trusted institutions in the digital lending arena across the Kingdom and around the world.

Our Message

To offer Islamic personal finance and corporate finance solutions to fulfill customers personal and business needs in easy and simplified ways.

Our Vision

To be a leader in the innovative finance solutions sector, and to be the best finance choice for individuals and small and medium businesses in the Kingdom of Saudi Arabia.

Our Goals

  • To provide leading innovative finance products
  • To fulfill the various finance needs of our customers
  • To achieve sustainability and shared values with our customers