✅ Personal financing partners program by D360 Bank, 100% digital
✅ Amounts from SAR 5,000 up to SAR 1,000,000, based on your profile
✅ Flexible terms from 3 months up to 5 years
✅ Annual percentage rate (APR) from 4.49%, with special rates
✅ No salary transfer, no documents and no cost to the company
Why does the Utua team recommend the personal financing partners program?
The personal financing partners program is an initiative by D360 Bank, a Saudi digital bank. Through it, companies can offer their employees 100% digital personal financing that is fully Shariah-compliant, with special profit rates for the team, without the company taking on fees, commitments or paperwork.
For employees, the biggest advantage is convenience, since the entire application is completed in the app within minutes. There are no employer letters, no paperwork and no requirement to transfer your salary to the bank, which makes the process much faster than traditional financing in Saudi Arabia.
Financing without salary transfer, why does it matter?
In Saudi Arabia, many banks still require a salary transfer before approving personal financing, which forces workers to move their main account just to access credit. This condition often limits their choices, since they end up tied to a single bank and lose the chance to look for better rates elsewhere.
By removing this requirement, the D360 Bank model gives employees more freedom, as they keep their current bank and can compare offers calmly before signing. It also makes credit easier to access for people working at partner companies, without switching accounts or changing their financial routine.
Author’s opinion
For the Utua team, the personal financing partners program is a great bridge between companies and their employees, because it turns a financial benefit into something simple to activate and free of cost for the employer.
Even so, we recommend that every employee simulate the installments in the app and check the final rate offered, making sure the commitment fits comfortably within their monthly budget. For example, financing of SAR 50,000 over 36 months at the minimum APR of 4.49% results in installments of around SAR 1,490, an illustrative figure only, since the final rate depends on each customer’s profile.
Find out how to access this financing
If you want to learn more about how to get the personal financing partners program and take advantage of the special conditions for employees, click the button below and check out the full step-by-step guide.
