Emkan

Emkan

About this app

Emkan application offers you a one stop shop that serve all your financial needs in one place! with easy and secure digital application experience.
You will get your loan online, without salary transfer with a push of a button!
Emkan has your back, whether you have an existing loan or not! or you are working in private or public sector.

App Features:
• End-to-end digital experience: you can apply for a loan, track your request, sign your contract, execute and receive your loan amount digitally.
• Multiple loan products! can serve your financial needs and situations
• Fast & easy approvals: if you're eligible, you can obtain your loan fast & easy with auto-approval flow!
• Easy requirements: Emkan accept customers that:
- Work in public, private and military sectors
- Saudi or Expats
- With starting salary of 2,000 SAR, without salary transfer.
- Don’t need a guarantor.
• Better user experience: easier steps and less requirements with the ability to modify your information and loan amount.
• Flexible loan amount with competitive rates: Emkan Loans starts from 2,000 SAR up to 1.5 Million SAR!
*** Get an easy and fast personal loan even if you have an existing loan!

Personal Finance:
Topup:
Minimum and maximum period for repayment: 6 to 60 months
Maximum Annual Percentage Rate (APR): 13.71%
Loan processing fees: 1% out of the total loan amount and maximum 5,000.
Example:
Intrest Rate: 6.1 %
APR: 12.25 %
Tenure: 60 months
Financing amount: 132,696.78 SAR
Management Fees: 1,526.02 SAR
Profit Amount: 40,472.51 SAR
Total Contract Value: 173,169.29 SAR
Monthly Installment: 2,886.15 SAR
 


Micro Product:
Minimum and maximum period of repayment 3 to 24 months.
Maximum Annual Percentage Rate (APR): 41.70%
Administrative fees: 1% or 5,000 SAR of the loan amount.
Example:
Intrest Rate: 6.1 %
APR: 12.25 %
Tenure: 60 months
Financing amount: 132,696.78 SAR
Management Fees: 1,526.02 SAR
Profit Amount: 40,472.51 SAR
Total Contract Value: 173,169.29 SAR
Monthly Installment: 2,886.15 SAR


Refinance:
Minimum and maximum period of repayment 3 to 60 months.
Maximum Annual Percentage Rate (APR): 12.35%
Loan processing fees: 1% out of the total loan amount and maximum 5,000.
Example:
Intrest Rate: 2.99%
APR: 6.8 %
Tenure: 60 months
Financing amount: 144,863.88 SAR
Management Fees: 2,515.37 SAR
Profit Amount: 21,657.15 SAR
Total Contract Value: 166,521.03 SAR
Monthly Installment: 2,775.35 SAR

and much more for you to discover while using Emkan. Download it now!

National Address: 2382 Road92- Olaya Neighborhood, unit No. 1 Riyadh 12214-9355
For customer Support: 8001240251

Ratings and reviews

I tried to apply manually by calling their loan agent, but they said the minimum salary requirement should be 10,000sar, while their customer service says it's 5,000 and even in their website and app it's 5,000. The customer service advise me to go to alrjahi bank, but the staff told me they don't Buyout. Their website and app has Buyout to apply for Buyout products. I wrote a complaint in their website since 2 weeks now, but no response. the complaint section in their app is not working.

its getting worse, and there is no PC login option!!! IT DOES NOT WORRRRK. (January 2026) STILL DOES NOT WORK, AFTER USER AND PASSWORD ENTERED THE SCREEN FREEZES (MAY 2026) FIX IT, FIX IT, FIX IT! (May 25th, 2026)STILL THE SMAE ISSUEE YOUR APP IS NOT WORKING AND NOT ABLE TO PAY THE LOANS....WHY NO ONE IS FIXING THIS. AND YOUR EMAIL DOES NOT WORK TOO.

Unable to confirm the buttons on the app not working. Even after 12 hrs no call received on the request.

What’s new

New Update in Emkan App!
Financing at the press of a button... with steps designed to match the pace of your day.
- An enhanced and seamless user experience.
- Smart and fully digital financing solutions.
Update the Emkan app now, and always stay on track!