Al Rajhi Bank vs Raya Financing: which is better? Comparison 2026
By our public methodology Al Rajhi Bank scores 81 out of 100 and Raya Financing scores 64. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| Al Rajhi Bank | Raya Financing | |
|---|---|---|
| Terms | 86 | 86 |
| Access | 75 | 75 |
| Reliability | 83 | 0 |
| Transparency | 75 | 100 |
Pros and cons
Al Rajhi Bank
- Low down payment
- Long track record as a licensed lessor
- Part of a banking group
- Rates and total cost are published openly
Raya Financing
- Low down payment
- Rates and total cost are published openly
- Leases to private individuals
- Leases to companies and sole traders
Facts side by side
| Fact | Al Rajhi Bank | Raya Financing |
|---|---|---|
| Licensed / registered as a lessor since | 1988 alrajhibank.com.sa | Not verified |
| Minimum down payment | 0% alrajhibank.com.sa | 0% rayafinancing.sa |
| Maximum contract term | 60 mo alrajhibank.com.sa | 60 mo rayafinancing.sa |
| Leasing for individuals | Yes alrajhibank.com.sa | Yes rayafinancing.sa |
| Leasing for businesses | Yes alrajhibank.com.sa | Yes rayafinancing.sa |
| Used cars | Yes alrajhibank.com.sa | Yes rayafinancing.sa |
| Early repayment | Yes alrajhibank.com.sa | Yes rayafinancing.sa |
| Part of a banking group | Yes alrajhibank.com.sa | Not verified |
| Rates published online | Yes alrajhibank.com.sa | Yes rayafinancing.sa |
| Calculator on the website | Not verified | Yes rayafinancing.sa |
| Online application | Yes alrajhibank.com.sa | Yes rayafinancing.sa |