STC Bank (loans): verified facts and rating
Licensed since: 2021 Checked 2026-10-31
Score breakdown
80% backed by facts · How we rank
STC Bank (loans) against the market
The dot is the company, the line is the median of all companies in this ranking.
Published rate, % of country reference83%141%98% · median 100%
Maximum amount, % of country reference60%300%60% · median 100%
Longest term60 mo60 mo60 mo · median 60 mo
STC Bank (loans) strengths and weaknesses
Pros
- Licence confirmed by the official list or a stated licence number
- Fees or full loan terms are readable without login
- New customers can apply online
Cons
- Licence obtained recently
- A charge can apply to early repayment
All facts
| Fact | Value | Source | Checked |
|---|---|---|---|
| Licensed since | 2021 licensed by Councils of Ministers under decree 671 dated 12/11/1442H corresponding to 22/06/2021G | stcbank.com.sa | 2026-10-31 |
| Licensed by the regulator | Yes STC Bank, a mixed closed joint stock company ... commercial registration number 1010901344 ... licensed by Councils of Ministers under decree 671 dated 12/11/1442H corresponding to 22/06/2021G, and under the oversight and supervision of Saudi Central Bank. | stcbank.com.sa | 2026-10-31 |
| Published rate, % of country reference | 98% The annual profit rate (APR) starts at 3.78% ... 1,500,000, 60 months, 3.78 %, 27,312.50 (also 100,000, 24 months, 4.82 %) · APR 3.78% (lowest published example) · index 100 = 3.87% (median at launch) | stcbank.com.sa | 2026-10-31 |
| Free early repayment | No Can I pay the full amount at once? Yes, you may request to settle the full remaining finance amount at any time. Early settlement profit may apply based on Shariah guidelines. | stcbank.com.sa | 2026-10-31 |
| No arrangement fee | Not verified | — | |
| Fees or terms published | Yes Product and service fees: At STC Bank, we’re committed to keeping things clear and making sure you know all the fees and charges upfront. | stcbank.com.sa | 2026-10-31 |
| Complaints procedure | Not verified | — | |
| Online application for new customers | Yes Apply through the app with a fast and fully digital experience! ... Saudi and Expatiriates allowed ... Fill out a simple application in the app | stcbank.com.sa | 2026-10-31 |
| Support hours a week | Not verified | — | |
| Maximum amount, % of country reference | 60% Finance for Saudis and non-Saudis up to 1.5 million with instant approval · max 1500000 SAR · index 100 = 2500000 SAR (median at launch) | stcbank.com.sa | 2026-10-31 |
| Longest term | 60 mo Repayment period of up to 60 months | stcbank.com.sa | 2026-10-31 |
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