Raya Financing vs Bank Albilad: which is better? Comparison 2026
By our public methodology Raya Financing scores 64 out of 100 and Bank Albilad scores 62. Below: the factors and facts where they differ, each fact with its source.
Score breakdown
| Raya Financing | Bank Albilad | |
|---|---|---|
| Terms | 86 | 69 |
| Access | 75 | 25 |
| Reliability | 0 | 83 |
| Transparency | 100 | 75 |
Pros and cons
Raya Financing
- Low down payment
- Rates and total cost are published openly
- Leases to private individuals
- Leases to companies and sole traders
Bank Albilad
- Low down payment
- Long track record as a licensed lessor
- Part of a banking group
- Rates and total cost are published openly
Facts side by side
| Fact | Raya Financing | Bank Albilad |
|---|---|---|
| Licensed / registered as a lessor since | Not verified | 2004 bankalbilad.com.sa |
| Minimum down payment | 0% rayafinancing.sa | 0% bankalbilad.com.sa |
| Maximum contract term | 60 mo rayafinancing.sa | 60 mo bankalbilad.com.sa |
| Leasing for individuals | Yes rayafinancing.sa | Yes bankalbilad.com.sa |
| Leasing for businesses | Yes rayafinancing.sa | Not verified |
| Used cars | Yes rayafinancing.sa | Not verified |
| Early repayment | Yes rayafinancing.sa | Not verified |
| Part of a banking group | Not verified | Yes bankalbilad.com.sa |
| Rates published online | Yes rayafinancing.sa | Yes bankalbilad.com.sa |
| Calculator on the website | Yes rayafinancing.sa | Not verified |
| Online application | Yes rayafinancing.sa | Yes bankalbilad.com.sa |