Personal Finance

Make your wishes come true!

Tailored to meet the needs of individual customers, our focus is on making the payment process as simple as possible.

The quick and easy choice

As Oman’s first Islamic bank, we understand that there are times you need help to meet your short-term commitments – without compromising your long-term financial wellbeing.That is why Bank Nizwa Personal Finance, based on the Shari’a concept of Murabaha/ Ijara, offers a lot more than just wide variety and flexibility in repayment options – it offers complete transparency and peace-of-mind too.

Eligibility Criteria

  • Minimum age: 18 years
  • Minimum salary: Rial 300

Personal Finance Features

  • Shari’a-compliant personal finance product
  • Highly competitive profit rates
  • Payment period up to 120 months
  • Long tenures for expats
  • No hidden charges
  • Available to salaried individuals
  • Transparent & fast processing

Facts you need to know…

  • Why take Personal Finance from Bank Nizwa?
    Shari’a-compliant product and processes Transparent pricing and charges Quick processing and approval No hidden charges
  • Are there special arrangements with dealers/agents?
    Yes. We have arrangements with dealers/agents to ensure hassle-free processing and quicker approvals.
  • What are the documents required?
    Passport with valid visa (for expatriates) Oman National ID / Resident ID Card / GCC Passport copy Quotation in favour of Bank Nizwa from the dealer of the good(s) you wish to purchase
  • Bank Statements of previous 6 months Salary Certificate from employer addressed to Bank Nizwa Salary Transfer Letter from employer How do I avail Bank Nizwa Personal Finance?
    Simply walk into any of our branches and our Personal Banking Officer will guide you through the steps Alternatively, you can call 24950500 for more information


Salaried Customers of Bank Nizwa can now get Islamic Finance through IFIN platform in just 10 minutes!

How does this work?

Customers of Bank Nizwa can visit any of retailers partnered with IFIN and submit their application there. All they need is their ID card and the mobile registered with the Bank. The credit decision takes about 20 seconds where the application can be either instantly Approved (where customer can complete the process within minutes) or Referred (where the Bank’s credit team will need to decide to whether approve or reject the application). If the application is “Approved”, the customer can sign the finance agreement at the retailer’s store.


  • Middle East Furniture
  • A & H
  • ID Design
  • Danube Home
  • Fahmy Furniture
  • Enza Home
  • Muscat Furniture International
  • Homes R Us
  • Luxury Homes
  • Arina Home
  • HUB Furniture
  • Turkish Market
  • Home Centre


  • Bridgestone
  • Oman Car Tools


  • Sky Orbits
  • Gadgets
  • A & H
  • Emax
  • Emax
  • FoneZone

Building Materials/ Cement Manufacturer

  • Teejan Equipment
  • Al Madina Cement Products
  • My Window
  • Al Kidha Development
  • My Stosa

For more details on IFIN – Instant Personal Finance, please contact us on 24950500.

Key Fact Statements (KFS)

All Bank Nizwa products and services are approved by the Shari’a Supervisory Board.

Lease of Services Murabaha.

For more information call 24950500 or visit any of our conveniently located branches.

Disclaimer: Bank Nizwa products and services will be made available at the sole discretion of Bank Nizwa SOAG; subject to Bank Nizwa’s Terms and Conditions for Shari’ah Compliant Account Operation and upon submission of documentation acceptable to Bank Nizwa.

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