Car Finance Calculator (Saudi Arabia)
Estimate your monthly car installment the way Saudi murabaha financing actually works: a flat rate on the financed amount over the term. Enter the car price, your down payment percentage, the flat rate and the tenor — you get the monthly installment, the total financing cost and the total you will pay. All figures are estimates; the binding number is the APR in the bank's offer.
- Monthly installment ~
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- Financed amount
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- Total finance cost ~
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- Total amount paid ~
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Estimate only, based on a flat rate. Banks quote different rates and fees — confirm the actual offer with your bank. Market flat-rate ranges are estimates. · Data as of: 2026-07-03
SAMA financing rules to know
- Maximum tenor is 60 months (5 years) — no bank or finance company may exceed it.
- Your total monthly credit obligations may not exceed 33.33% of your salary (25% of a pension for retirees).
- Early settlement is your right at any time, with the fee capped at 3 months' profit on the declining balance.
Frequently Asked Questions
What is the maximum car-loan term in Saudi Arabia?
60 months (5 years) under Saudi Central Bank (SAMA) rules — no bank or finance company may exceed it. This calculator caps the tenor at that limit.
How much of my salary can go to installments?
SAMA caps your total monthly credit obligations at 33.33% of your salary (25% of a pension for retirees) — existing plus new installments together.
Can I settle a car loan early?
Yes, at any time: the early-settlement fee is capped at 3 months' profit on the declining balance, and partial early payments of one full installment or more must be accepted.