The Best Personal Loans for Shariah Compliance in 2026

Al Rajhi Bank stands out with its high loan limit of up to SAR 2.5 million and competitive starting profit rates of 5.0%. The digital approval process via their app is notably fast, making it a top choice for those needing substantial finance quickly.

Bank AlJazira offers a reliable Sharia-compliant personal finance solution up to SAR 2 million. While it requires a salary transfer, the integration with the Dinar loyalty program adds value, making it appealing for existing customers.

Saudi National Bank provides up to SAR 2.5 million with rates starting at 5.0%, coupled with quick digital approval. It's ideal for those who need a high loan amount with the backing of Saudi's largest bank.

Arib Finance shines for borrowers needing rapid approval, offering funds up to SAR 500,000 without requiring a salary transfer or guarantor. Although rates are higher, the convenience and speed are unmatched.

Riyad Bank's personal finance option appeals to those who want to avoid salary transfers. It offers competitive rates starting at 5.0%, with a maximum ceiling of 7.5%, providing flexibility while maintaining good terms.

Arab National Bank offers competitive rates and a wide branch network, but requires a salary transfer for the best rates. The processing time is moderate, taking 1-3 days.

Banque Saudi Fransi combines French banking expertise with local Islamic finance, providing loans up to SAR 2 million. The requirement for a higher salary and processing time of 1-3 days might be a consideration for some.