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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) That’s includes military transfer there salary to Al Rajhi.

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

  • Age range:  Employees from 22 to 60, retired  to 70 “for Rajhi bank customers”, from 25 to 60 “For other banks customers”

  • Duration of service: – 6 months for Micro Finance if you’re a non-salary transferee

  • 1 month for Top Up Financing if you’re transfer your salary to Al Rajhi

  • 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.

* The calculator provides an indicative estimation for illustration purposes only, and is not considered a final quote. The information provided by the Calculator is based on the soundness and accuracy of information provided by you, but does not take into account any undisclosed financial obligations. EMKAN will apply disclosure principles to the information you have disclosed. Usage of the Calculator does not constitute approval of the application. All applications are subject to EMKAN’s standard credit policies and approval criteria. EMKAN reserves the right to change or reject the result without any responsibilities or obligations whatsoever on EMKAN.