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Arib review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Arib suits salaried workers in Saudi Arabia who want a licensed broker to place personal or car finance for them. Personal finance runs at an APR of 4.5%, which is well below the 14.7% median across comparable lenders, and money can be in your account Within 24 hours.

Key facts

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

Mortgages

Fixed period
30 years↗
Purpose
Purchase, Remortgage↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • Personal finance priced at an APR of 4.5% against a 14.7% median
  • Broader lending than most rivals, with personal, car and business covered under one roof
  • Funding Within 24 hours of approval
  • Real estate financing with a fixed period of 30

Cons

  • Arib is a broker, so broker matching sits between you and the lender that sets the price
  • Support runs on email, phone and help centre only
  • Eligibility rules are firm: employed, GOSI registered, a minimum salary, valid residency for residents and a maximum age
Arib

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Scored 9.1 / 10 by SumCue.

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Who it suits

  • Employed residents with a minimum salary and valid residency looking to consolidate or fund a purchase
  • Drivers planning car finance through a licensed broker
  • Homebuyers and remortgagors in Saudi Arabia

Who should look elsewhere

  • Borrowers who want to deal with a single direct lender rather than a broker
  • Shoppers who need a chat or in-branch channel, since Arib runs on email, phone and help centre
  • Lenders outside Saudi Arabia

Deposit protection

Arib is a broker, not a deposit taker, and the regulator named on its licence is the Central Bank of Saudi Arabia (SAMA), licence 79/م ن/202309. Because broker sits between applicants and banks, the published terms and monthly figures a borrower sees can differ from the final offer. The representative example gives a worked picture: a set monthly payment and a total repaid on a stated loan amount. Arib operates a single market, in Saudi Arabia, so the licence and its terms apply there and nowhere else.

The company behind it

Arib trades as Intelligence Solutions Company, a Saudi Arabian business founded in 2018 and headquartered in Saudi Arabia. It describes itself as a broker, so it sources offers from banks and insurers rather than lending from its own balance sheet. Its Central Bank of Saudi Arabia licence number is 79/م ن/202309. Getting help runs through email, phone and help centre, so a phone line and a help centre sit alongside email for questions about an application.

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 rate does Arib charge for personal finance?+

Personal finance is listed at an APR of 4.5%, with loan amounts reaching SAR 1,000,000 and terms of 60. That sits well below the 14.7% median for comparable lenders, though the rate you are offered depends on your profile.

How long does it take to get the money?+

Funding is Within 24 hours once a decision is made. Applications start with a soft prequalification check, so you can see where you stand before a full credit check is run. Personal, car, business and secured lending all run through the same process.

Is Arib regulated?+

Yes. Arib holds a Central Bank of Saudi Arabia (SAMA) licence, numbered 79/م ن/202309. Its headquarters sit in Saudi Arabia, so the licence applies to Saudi Arabia only. Deposits are not involved, since Arib arranges lending rather than holding savings.

Does Arib lend its own money?+

No. Arib describes itself as a broker, which means it puts your application to banks and returns their offers. That is the single biggest thing to weigh, because the final rate and terms come from the lender, not from Arib. Its personal, car and business are arranged rather than funded in house.

Who can apply for Arib finance?+

You need to be employed, registered with GOSI, earn a minimum salary, hold valid residency if you are a resident, and be within the maximum age Arib allows. Car and business finance sit alongside personal borrowing. Arib operates a single market, Saudi Arabia.

Can I get a mortgage through Arib?+

Yes, for purchases and remortgages. Real estate financing runs over a fixed period of 30, with the fixed period typical of the market at 10. The SAMA licence covers the whole product line.

How do I reach Arib?+

Support runs on email, phone and help centre. Email works for document questions and the phone line is there for anything about a live application, with a help centre for self service. Arib is a business in SA trading as Intelligence Solutions Company, founded in 2018.

Sources

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

Not confirmed yet: Arrangement fee.

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