Convert a flat rate to APR
Enter the finance amount, the flat rate quoted per year and the term, then press Flat → APR.
The APR is the equivalent reducing-balance rate, which lets you compare offers fairly. For example, 4% flat over 60 months is about 7.42% APR.
Use APR → flat to go the other way.
Check the salary deduction limit
Enter your salary, existing monthly obligations, the new instalment and the deduction limit.
The limit is editable because it can differ by product and change over time. Verify the current limit with your lender and SAMA's current rules.
Fees and VAT
Enter the admin fee percentage, an optional fee cap and the VAT rate (editable, 15% by default).
The result shows the fee, the VAT on the fee and the total.
Compare offers and switch language
Enter up to three offers. The table shows instalment, APR (including the upfront fee) and total payable.
Press العربية to switch the whole calculator to Arabic; your choice is remembered.