Used your Buy Now, Pay Later credit and wondering when — and how — to pay it back? Here are the exact Al Rajhi BNPL repayment rules, installment math, and eligibility facts, verified from the official Al Rajhi Bank website.
| Quick Fact | Detail |
|---|---|
| Service name | Buy Now, Pay Later (BNPL) by Al Rajhi Bank |
| Credit amount | Up to SAR 2,000 for eligible customers (shown in the app) |
| Repayment tenure | Maximum 3 monthly installments (not 12 months) |
| Where it works | Merchants across Saudi Arabia (limited-time offer) |
| Who can use it | Eligible Al Rajhi customers, subject to the bank's requirements |
| Helpline | 920-003-344 |
So you got the Al Rajhi 2,000 SAR Buy Now, Pay Later credit — and now the big question is keeping you up at night: "When do I have to pay this back, and in how many installments?" You're not alone. Thousands of Al Rajhi customers are asking the exact same thing.
Here's the good news: the Al Rajhi BNPL repayment rules are far simpler than the rumors suggest.
In this guide, you'll discover:
- The exact repayment schedule for a 2,000 SAR BNPL purchase (with real numbers)
- Whether you really get 12 months — or something much shorter
- The full eligibility criteria and who actually qualifies
- The restricted merchant list where BNPL will NOT work
- A step-by-step walkthrough to apply, use, and repay
Let's dive in.
What Is Al Rajhi Buy Now, Pay Later (BNPL)?
Here's the deal: BNPL is not a personal loan and it's not a credit card either. It's a short-term financing feature built directly into your Al Rajhi relationship.
You shop today. The bank covers the purchase. You repay in easy monthly installments — selected at the time of the transaction.
According to the official offer page, the service is available across all merchants in Saudi Arabia for a limited time, and purchases can be split into a maximum of 3 monthly installments.
Want the full picture of banking with Al Rajhi before you start? Check our complete guide on Al Rajhi Bank account opening — documents, fees and features.
Al Rajhi BNPL Repayment Rules: How the 2,000 SAR Is Paid Back
This is the section you came for. Let's answer it directly.
But wait — what about the "12 months" rumor?
Many users heard "one year" and assumed 12 installments. The official offer page is unambiguous: a maximum of 3 monthly installments. Terms and conditions apply, and the bank shows you the exact schedule inside the app before you confirm any transaction.
The result? A 2,000 SAR purchase clears in about 90 days — fast, simple, and finished.
| Scenario | Amount Used | Installments | Approx. Monthly Payment | Total Repaid |
|---|---|---|---|---|
| Full credit, 3 installments | SAR 2,000 | 3 | SAR 666.67 / 666.67 / 666.66 | SAR 2,000 |
| Full credit, 2 installments | SAR 2,000 | 2 | SAR 1,000 | SAR 2,000 |
| Half credit, 3 installments | SAR 1,000 | 3 | SAR 333.33 | SAR 1,000 |
| Small purchase | SAR 500 | Up to 3 | ≈ SAR 166.67 | SAR 500 |
The number of installments is selected by you at the time of purchase within the limits shown in your app. Repayments are then collected monthly from your Al Rajhi account on the dates shown in your installment schedule.
Comparing financing options across Saudi banks? Our honest breakdown of Al Rajhi vs SNB vs D360 Bank shows how BNPL stacks up against classic personal finance.
Eligibility: Who Gets the Al Rajhi BNPL Credit?
Not everyone sees the 2,000 SAR offer in their app. Here's why.
Al Rajhi states that BNPL is for eligible customers, and that eligibility and approval are subject to the bank's requirements. The bank evaluates each customer internally — and the offer appears only for those who qualify.
| Requirement | Detail |
|---|---|
| Bank relationship | You must be an existing Al Rajhi Bank customer |
| App access | An active Al Rajhi app account is required to view and use the offer |
| Credit limit | Shown individually in-app — up to SAR 2,000 for many eligible users |
| Approval | Subject to the bank's internal requirements; not guaranteed for every customer |
| Documents | No new paperwork — the offer is pre-approved and managed inside the app |
| Availability | Limited-time offer across merchants in Saudi Arabia |
New to the Kingdom and still choosing a bank? See our top 5 best bank accounts in Saudi Arabia for expats.
Where You Can (and Can't) Use It: The Restricted Merchants List
The result? BNPL works at most merchants across KSA — but not all of them.
Al Rajhi's official offer page publishes a clear restricted merchant list. Try to use BNPL at these categories and the transaction simply won't go through as an installment purchase.
| # | Restricted Merchant Category | BNPL Allowed? |
|---|---|---|
| 1 | Gas Stations | ❌ No |
| 2 | Fast Food Restaurants | ❌ No |
| 3 | Taxicabs & Limousines | ❌ No |
| 4 | Transportation Services | ❌ No |
| 5 | Variety Stores | ❌ No |
| 6 | Convenience & Specialty Food Stores | ❌ No |
| 7 | Candy, Nut & Confectionery Stores | ❌ No |
| 8 | Gift, Card, Novelty & Souvenir Shops | ❌ No |
| 9 | Automobile Rental Agency | ❌ No |
| 10 | Charitable Organizations | ❌ No |
| 11 | Car Dealership | ❌ No |
| 12 | Invoices | ❌ No |
| 13 | Government Services | ❌ No |
| 14 | Education Services | ❌ No |
| 15 | Telecommunications | ❌ No |
Everything else — supermarkets, electronics, fashion, furniture and most retail across Saudi Arabia — is eligible while the offer runs.
How to Apply and Repay: Step-by-Step (Online via the Al Rajhi App)
Ready? The entire journey happens inside the official Al Rajhi app — no branch visit, no paperwork. Here is the exact flow:
| Step | Action | What You Need | Time |
|---|---|---|---|
| 1 | Log in to the Al Rajhi app | Username & password | 1 min |
| 2 | Open the BNPL section | Eligible account | 1 min |
| 3 | View your credit limit | Nothing extra | Instant |
| 4 | Accept T&Cs & activate | OTP verification | 2 min |
| 5 | Shop & split payments | Eligible merchant | At checkout |
Online vs. Offline: Is There a Branch Process?
Short answer: BNPL is a digital-first product. Activation, usage, and repayment tracking all happen in the app. For anything unusual — a failed deduction, a disputed transaction, or a question about your schedule — the bank's official helpline 920-003-344 is your offline channel.
| Task | Online (App) | Offline (Helpline / Branch) |
|---|---|---|
| Activate BNPL | ✅ Yes | ❌ No |
| Check credit limit | ✅ Yes | Via helpline |
| View repayment schedule | ✅ Yes | Via helpline |
| Repay installments | ✅ Automatic monthly deduction | ❌ No |
| Dispute / failed payment help | In-app support | ✅ 920-003-344 |
Need bigger financing than SAR 2,000? Read our step-by-step guide on Al Rajhi Bank personal finance — apply online, or compare alternatives like the STC Bank personal finance application process.
Fees, Charges & the Limited-Time Offer: What the Official Pages Say
Let's talk money — the part everyone skips to.
Al Rajhi's official BNPL pages describe the product as a financing solution repaid over selected monthly installments, with the current promotion offering purchases split into a maximum of 3 monthly installments across merchants in Saudi Arabia, and a standard note that Terms and Conditions apply.
The official pages do not publish a universal fee table for this offer — any profit rate or fee applicable to your specific transaction is displayed to you inside the app before you confirm. That's deliberate: the offer is personalized per eligible customer.
Frequently Asked Questions
1. Do I really get 12 months to repay the 2,000 SAR?
No. According to Al Rajhi Bank's official BNPL offer page, purchases are repaid in a maximum of 3 monthly installments — not 12 months or one year. A full SAR 2,000 purchase works out to roughly SAR 666.67 per month for three months.
2. How many installments will my 2,000 SAR BNPL have?
It depends on the option you select at checkout, up to the maximum of 3 monthly installments under the current offer. The app shows your available installment choices and exact amounts before you confirm the transaction.
3. When does the first installment get deducted?
Repayment happens in monthly installments after your purchase, on the dates shown in your in-app installment schedule. Keep your Al Rajhi account funded before each due date, because the deduction is automatic.
4. Can every Al Rajhi customer get the 2,000 SAR credit?
No. BNPL is offered to eligible customers only, and approval is subject to the bank's internal requirements. If you qualify, the offer appears inside your Al Rajhi app with your personal credit limit.
5. Where can I use Al Rajhi BNPL?
At merchants across Saudi Arabia while the limited-time offer runs — except restricted categories such as gas stations, fast food, taxis, telecom, government services, education, and others on the bank's official restricted merchants list.
6. Can I use Al Rajhi BNPL in the UAE?
No. Al Rajhi Bank is a Saudi bank, and the official offer explicitly covers merchants in Saudi Arabia. UAE residents with Al Rajhi accounts can only use it for eligible purchases made in KSA.
7. What happens if I miss an installment?
The bank deducts installments automatically. If a deduction fails, contact the official helpline 920-003-344 immediately. Missed payments can affect your eligibility for future offers and your standing with the bank.
8. Is there a fee or profit charge on the BNPL offer?
The official public pages don't list a universal fee chart. Any applicable charges are personalized and shown in the app before you confirm. Review that screen carefully — it is the binding figure for your transaction.
Final Thoughts: The 3 Things to Remember
Let's wrap this up. If you take only three things from this guide, make them these:
- It's 3 installments, not 12. The official Al Rajhi offer caps repayment at a maximum of 3 monthly installments — your 2,000 SAR clears in about 90 days.
- Eligibility is personal. The credit (up to SAR 2,000) appears only for eligible customers inside the official app, subject to the bank's requirements.
- Check the restricted list before you shop. Gas stations, fast food, taxis, telecom, government services and more are excluded — everything else across KSA is fair game while the offer lasts.
Open the official Al Rajhi Bank app today, or visit the official BNPL page — and always confirm your installment schedule before you tap "accept".
Visit Al Rajhi Bank — Official BNPL PageOver to you: Did the 2,000 SAR BNPL offer appear in your Al Rajhi app — and how many installments were you offered? Drop your experience in the comments; your answer might help the next reader.
