What is Sakhi Finance?

JAK Almuqaddimah Company (Sakhi Finance) is a Saudi financing company established in 2025 in the Kingdom of Saudi Arabia and is subject to the supervision and oversight of the Saudi Central Bank (SAMA). Jak Almuqaddimah is the legal company name, and Sakhi is the brand name. We provide digital consumer financing without documents or branch visits.

What documents are required to apply for consumer financing?

No documents are required. The required data is obtained and verified automatically through technical integrations after you approve the terms and conditions and electronic platform notices.

Are Sakhi’s products Sharia-compliant?

Yes. Sakhi’s products are Sharia-compliant and are supervised by a Sharia committee.

Does Sakhi offer credit cards?

Not currently. Please follow our official channels for updates.

How can I contact Sakhi Customer Support?

You can contact us through the toll-free number +966 8001110150, the official customer support channels, or Sakhi’s official account on X.

How can I get financing from Sakhi?

Download the Sakhi app and complete the registration process. Based on your eligibility, you will be able to request financing.

What is the maximum financing amount?

The maximum amount is determined based on the internal credit assessment. It may reach up to SAR 300,000 with a tenure of up to 36 months, subject to eligibility.

Digital financing designed around your needs

Apply for Sakhi loan Check your financing eligibility

Sakhi will support you with:

Consumer Financing

Apply for flexible financing designed to support your personal goals with confidence and peace of mind by reviewing the requirements and choosing a repayment plan that works best for you

Additional Finance

If you already have an existing financing facility and need extra funds, Sakhi’s Additional Financing solution makes it easy to access more financing by consolidating your financial obligations into a single repayment plan while providing additional liquidity

Finance from 3,000 up to 300,000

No salary transfer

The financing period ranges from 3 - 36 months

Finance from 3,000 up to 300,000

No salary transfer

The financing period ranges from 3 - 36 months

Flexible financing, simple repayments

We make managing your financing just as simple as applying for it. Sakhi supports all major payment methods to ensure secure and convenient repayments at any time.

Convenient conditions

Finance from 3,000 SAR up to 300,000 SAR

No salary transfer

The financing period ranges from 3 - 36 months

Finance from 3,000 SAR up to 300,000 SAR

No salary transfer

The financing period ranges from 3 - 36 months

Secure payment methods

Credit Cards: Mada, Visa & Mastercard

Apple Pay & Google Pay

Bank Transfer

Credit Cards: Mada, Visa & Mastercard

Apple Pay & Google Pay

Bank Transfer

Financing process

Download Sakhi app

Create account

Check your eligibility

Confirm your offer

Sign contract

Loan disbursed

Download Sakhi app

Install the Sakhi app from the App Store or Google Play and start your application now

Download Sakhi app

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Financing process

Download Sakhi app

Install the Sakhi app from the App Store or Google Play and start your application now

Create account

Create your Sakhi account easily by entering your personal information.

Check your eligibility

Answer a few questions so we can assess your eligibility.

Confirm your offer

Review offer details, terms and conditions, simplify and enhance.

Sign contract

Sign your agreement quickly and securely using in-app digital verification.

Loan disbursed

After completing all required steps, the loan amount is disbursed straight to your registered bank account.

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Download Sakhi app

Pricing

Financing amount	Maturity period	APR	Monthly Installment
SAR 300,000.00	60 Months	33.34%	SAR 9,500.00
SAR 150,000.00	36 Months	35.75%	SAR 6,416.67
SAR 50,000.00	24 Months	41.44%	SAR 2,916.67
SAR 15,000.00	12 Months	42.65%	SAR 1,500.00

How to be eligible?

you Must be at least 18 years old

A bank account in your name

More than 3 months employed

Maintain a good credit record

Have a stable, verifiable income

Check your financing eligibility

Digital-first financing solution

Sakhi is a digital financing platform built on transparency, speed, security, and trust, empowering individuals with accessible financing solutions that support their financial goals

Saudi Central Bank (SAMA) -Approved & Fully Compliant

We operate under full SAMA approval, following national credit regulations and industry standards to ensure trustworthy and responsible financing.

Ethical & Shariah-Compliant

Every financing product offered by Sakhi is built in accordance with Islamic finance principles, ensuring a transparent, responsible, and trustworthy experience you can rely on

Start your application in minutes and experience fully digital financing

Apply for Sakhi loan Check your financing eligibility

FAQs

Here you’ll find clear answers to the most common questions about our financing products, loan process, credit score, and how the Sakhi app works.

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