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Emkan Products

Top-Up Finance

Emkan’s Top Up program allows you to obtain financing, immediately, on top of whatever existing financing plan you already have with your local bank. No salary transfer needed.

Enter finance amount

Determine the amount of salary

Payment term

  • Finance amount

  • Monthly instalment

  • Finance Cost


  • Finance Period

* Finance cost may vary depending on finance amount, term and credit score of every customer.

* Numbers are for illustrative purposes only, and don’t constitute a binding offer form the company.

How to apply:

  • Download the Emkan app.

  • Open the app and register.

  • Enter your details and upload your documents.

  • Receive immediate approval and set the financing amount / appropriate payment period.

  • Enter your bank details and sign the online contract

Top-up Finance requirements:

  • Nationality (Saudi)

  • Sector (governmental – semi-governmental – private sector – retirees).

  • Minimum Top Up Financing for non-salary transferees: SAR 7,000.

  • Age range: from 22 to 60.

  • Duration of service: – 6 months for Micro Finance if you’re in the private sector – 1 month for Top Up Financing if you’re a government / semi-government sector employee and transfer your salary to Al Rajhi – 3 months for Top Up financing if you’re a non-salary transferee

  • Existing Financing.

  • Good credit history.

Top-up Finance Benefits:

  • Financing starts from SAR 5,000 and reaches SAR 1,500,000.

  • Financing periods range from 12 months to 60 months.