Arib review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Arib suits employed residents in Saudi Arabia who want personal, car, business or secured lending arranged by a licensed broker. Personal finance APR starts at 4.5%, funding lands Within 24 hours, and every figure sits in a single market under a single regulator, so comparisons stay clean.

Key facts

Best for
Employed Saudi residents who want personal, car, business or secured finance arranged by a licensed broker.
APR
4.5% (Source, checked September 26, 2026)
Loan amount
SAR 1,000,000 (Source, checked September 26, 2026)
Term
60 months (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Within 24 hours (Source, checked September 26, 2026)
Representative example
Borrow SAR 18,750 for 12 months at 15% APR: monthly payments SAR 1,690, total due SAR 20,280 (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Employed, GOSI registered 3+ months, minimum salary SAR 4,000, valid residency for residents, maximum age 65 (Source, checked September 26, 2026)
Loan types
Personal, Car, Business, Secured (Source, checked September 26, 2026)
Legal entity
Intelligence Solutions Company (Arib) (Source, checked September 26, 2026)
Headquarters
Saudi Arabia (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
arib.com.sa

Mortgages

Fixed period
30 years (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Intelligence Solutions Company (Arib) (Source, checked September 26, 2026)
Headquarters
Saudi Arabia (Source, checked September 26, 2026)
Founded
2018 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • Personal finance is funded Within 24 hours after a soft prequal credit step, so exploring a quote costs nothing.
  • The same application covers personal, car, business and secured lending, plus property purchase and remortgage under purchase and remortgage.
  • Property finance runs over a fixed period of 30, which suits buyers planning a long repayment.
  • The representative example publishes a monthly payment and a total repayment together, so the true cost is easy to check.

Cons

  • Arib works as a broker, so the final rate and terms come from the funder it introduces, not from Arib itself.
  • Support runs on email, phone and help centre, and chat is not among those channels, so phone carries the load.
  • The eligibility rules are narrow: employed applicants only, GOSI registered for a minimum period, a minimum salary and a maximum age, with personal terms stopping at 60.
Arib

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Employed residents with valid residency, GOSI registration and a salary above the stated minimum in Saudi Arabia.
  • Borrowers who want a licensed broker to approach funders on their behalf rather than a single bank.
  • Buyers and remortgagers who want a long fixed period of 30 on property finance.

Who should look elsewhere

  • Self-employed applicants, since the stated rules cover employed people only, and Monzo Flex at 10% to 23% sits in another market.
  • Borrowers wanting a direct lender rather than a broker; Cashspace and Cashspace ES are the other listings here.
  • Readers wanting live chat or a branch, since support runs on email, phone and help centre; Cashspace ES at 0% is the other low-rate listing here.

Safety and regulation

Arib holds a Central Bank of Saudi Arabia licence, number 79/م ن/202309, and works as a broker, so an application passes to a funder it selects rather than being underwritten by Arib itself. The representative example is worth reading closely: a personal loan over a short term with a monthly payment and a total repayment both stated up front.

Where it sits among rivals

On cost, Arib ranks 56 of 350 brands tracked for APR, and on term it ranks 57 of 232. Both are respectable places in a wide field, and the term ranking matters for anyone planning a longer repayment. Read them as market context rather than a promise on your own rate, which the funder sets rather than the broker.

How Arib compares

Where Arib is available

Available
Saudi Arabia
Licence in Saudi Arabia
Central Bank of Saudi Arabia (SAMA) (79/م ن/202309), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What APR does Arib offer on personal finance?+

Arib lists a personal finance APR of 4.5%. That is the headline rate, and the rate on a real offer depends on your profile and the funder Arib introduces. Always check the total you repay rather than the rate alone.

How fast is funding?+

Personal finance is funded Within 24 hours, which is quicker than most listings at this price point. The clock usually starts once the funder approves and your documents are checked, so keep employment and residency paperwork ready before you apply.

Is Arib a lender or a broker?+

Arib is a broker, not a direct lender. Your application is passed to a funder the broker selects, which is why the final rate, the amount and the term all come from that funder rather than from Arib. Check which funder you are dealing with before you sign.

What do I need to qualify?+

Applicants must be employed, registered with GOSI for a minimum period, earn a minimum salary, hold valid residency if they are residents, and be within the maximum age stated. Once you clear that, personal finance can run to SAR 1,000,000 over 60.

How much can I borrow?+

Personal finance borrowing runs up to SAR 1,000,000 over terms of up to 60. The longest headline term sits at the shorter end of the market, so a larger balance usually needs the secured, car, business or property route instead of the personal finance route.

Does Arib do property finance?+

Yes. Arib arranges real estate financing for purchase and remortgage over a fixed period of 30, and the same account carries the personal, car, business and secured lending listed under personal, car and business. Property finance is the longest route, so ask for the fixed period in writing.

How does Arib check credit?+

Arib starts with a soft prequalification, listed as soft prequal, so an initial check carries less weight than a full search. The fuller file check comes later, once you accept an offer, which lets you look at rates before committing to anything.

How do I contact Arib?+

Support runs on email, phone and help centre, covering email, phone and a help centre. Chat is not among those channels, so phone is the quicker route for anything urgent, and the help centre is there for questions you can wait on.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee.

Arib

Arib

Employed Saudi residents who want personal, car, business or secured finance arranged by a licensed broker.

9.0/10See alternatives

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