Car financing
Know your estimated monthly instalment before you ask: choose the down payment and the period, then request financing from the car's page.
How financing works
Choose your car
Browse the cars on offer. The estimated monthly instalment is shown with each car's price.
Choose the down payment and period
Set the down payment and the financing period in the calculator and see the monthly instalment at once.
Request financing
Send your request from the car's page and the KAYANAK team contacts you. The partner finance provider decides on approval.
How it is calculated
You pay a down payment of at least 45% of the car price; the rest is the financed amount. Financing profit of 5% of the financed amount is added for each year (a flat rate), and the total is divided equally over the months of the period.
- Minimum down payment
- 45%
- Financing profit per year
- 5%
- Longest period
- 5 years
A worked example
A car priced at 100,000 SAR, with a down payment of 45,000 SAR (45%) and a financed amount of 55,000 SAR.
| Period | Monthly instalment | Financing profit | Total amount |
|---|---|---|---|
| 1 year | 4,813 | 2,750 | 102,750 |
| 2 years | 2,521 | 5,500 | 105,500 |
| 3 years | 1,757 | 8,250 | 108,250 |
| 4 years | 1,375 | 11,000 | 111,000 |
| 5 years | 1,146 | 13,750 | 113,750 |
Estimated instalment. Financing is provided by partner finance providers and is subject to their approval; comprehensive insurance and administrative fees are not included.
Common questions
Who provides the financing?
Partner finance providers (banks and finance companies). KAYANAK arranges the request with them and does not lend money itself.
Is approval guaranteed?
No. Approval is the finance provider's decision after reviewing your request, and the final terms may differ from the estimates shown here.
What is not included in the estimated instalment?
Comprehensive insurance and the finance provider's administrative fees. Their amounts come with the finance provider's offer.
Can I pay a larger down payment?
Yes. 45% is the minimum; the more you pay up front, the smaller the financed amount and the monthly instalment.
Can I settle the financing early?
That depends on the finance provider's contract. Ask about it before you sign.
What documents are needed?
The finance provider will ask for your ID and proof of income, and may ask for other documents depending on your case.