EMI Calculator Saudi Arabia
Work out your monthly loan instalment in SAR, see the total interest, and compare it against rates Saudi Arabia banks actually publish.
Click any bank to use their rate. Green = best deal
See how changes affect your loan
How is EMI calculated?
EMI = P × r × (1+r)n / ((1+r)n - 1). P = loan amount, r = monthly rate, n = months. Our calculator does this instantly.
What's a safe EMI-to-salary ratio?
Keep total EMIs under 40-50% of salary. Banks use Debt Burden Ratio (DBR) — UAE banks cap at 50%.
Longer tenure = lower EMI?
Yes — but you pay more total interest. A 5-year loan costs less overall than a 10-year loan at the same rate.
Loan interest rates in Saudi Arabia
Buzdy tracks 8 banks in Saudi Arabia with 611 branches across 26 cities. EMI results on this page are shown in SAR. The rates below are the ones those banks publish — use them in the calculator instead of a guess.
Looking for a credit card, a loan or a savings account in Saudi Arabia?
Compare what banks in Saudi Arabia actually offer — rates, fees and eligibility, updated for 2026.
Credit card interest rates in Saudi Arabia
Relevant if you convert a card purchase into monthly instalments. 51 cards with a published rate.
Worked example — repaying SAR 100,000 of card balance over 5 years in Saudi Arabia
- Balance
- SAR 100,000
- Rate used
- 1.58% per month (≈18.96% a year)
- Tenure
- 60 months
- Monthly EMI
- SAR 2,592
- Total interest
- SAR 55,511
Rate taken from Ajwaa Platinum Credit Card (Bank AlJazira) — the lowest published credit card rate we hold for Saudi Arabia. Buzdy does not yet hold personal loan rates for Saudi Arabia, so this uses card interest — the rate that applies when you convert a purchase to instalments or carry a balance. Change the numbers in the calculator above for your own case.
Banks we track in Saudi Arabia
Keep going in Saudi Arabia
Guides for Saudi Arabia
Saudi Arabia — frequently asked questions
What does SAR 100,000 on a credit card cost per month in Saudi Arabia?
At 18.96% a year over 60 months the instalment works out at about SAR 2,592, or SAR 55,511 of interest in total. That rate comes from Ajwaa Platinum Credit Card by Bank AlJazira, the lowest published credit card rate Buzdy holds for Saudi Arabia. We do not yet hold personal loan rates for Saudi Arabia — bank loan rates are usually well below card rates.
What interest rate do credit cards charge in Saudi Arabia?
Across the 51 cards with a published rate in Saudi Arabia, quoted rates run from 1.58% per month to 3.29% per month. Card interest only applies if you carry a balance past the interest-free period.
Where can I apply for a loan in Saudi Arabia?
Buzdy maps 611 bank branches in Saudi Arabia across 26 cities. Open the branch directory to find the nearest one to you.
How is EMI calculated?
EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the amount borrowed, r the monthly rate (annual rate ÷ 12 ÷ 100) and n the number of months. The calculator above uses exactly this formula.