Raya Financing is a leading automotive finance company in KSA, licensed by the Saudi Central Bank (SAMA), dedicated to providing Shariah-compliant, accessible, and efficient vehicle ownership solutions. As a proud contributor to the goals of Saudi Arabia’s “Vision 2030,” Raya Financing supports economic diversification and individual empowerment by helping individuals and businesses across the Kingdom acquire their desired vehicles through fully compliant Islamic finance principles. From young professionals purchasing their first car to small businesses expanding their fleets, Raya Financing is turning dreams into reality.
With transparent solutions and a commitment to continuous innovation, Raya Financing empowers clients to achieve mobility goals. The company’s efforts are led by a qualified team of financial professionals who operate with integrity and customer focus to ensure that financing needs are met ethically and efficiently.
A Journey Of Growth
Our journey to becoming the fastest-growing Shariah-compliant auto financing company in Saudi Arabia is rooted in a deep understanding of the market’s needs and a steadfast dedication to Islamic finance principles. Raya Financing recognised this critical demand and set out to bridge the gap, offering a suite of auto financing products that are fully Shariah-compliant, remarkably efficient, transparent, and customer-friendly.
To address the growing demand for ethical and accessible vehicle financing, Raya Financing offers a broad range of integrated Shariah-compliant auto financing services tailored to meet the needs of individuals and businesses. Our financing specialises in vehicles using Ijarah (lease-to-own) and Murabaha systems, designed to meet different customer needs depending on their preference for ownership or flexibility. Raya Financing’s services and solutions help clients strengthen their financial well-being, improve access to essential assets, and enable secure, ethical growth.
Innovation At Its Finest
Raya Financing experienced an exceptional year in 2024, solidifying its position as a leader in the non-banking financial sector. Driven by strong financial performance, operational excellence, and commitment to digital transformation, the company achieved significant milestones.
Digital Transformation
The company secured SAR 1.3 billion in funding to support its operations and expanded its network to 36 main and 152 sub-agents. In 2024, a primary focus was on accelerating digital transformation, which included implementing new IT service management systems, automating customer service processes, and integrating with key digital platforms to enhance efficiency and security.
Centred Around Customer Empowerment And Sustainability
Raya Financing’s long-term success is driven by a strategic vision centred around innovation, customer empowerment, and sustainable growth. The company continuously invests in developing local talent and building strategic partnerships that enhance the value of clients and strengthen the national financial ecosystem.
With a clear focus on excellence and long-term impact, Raya Financing aims to lead the Shariah-compliant auto financing sector in enabling secure and ethical vehicle ownership across all segments of society.
A Robust Network
Over the years, Raya Financing has established a robust network of strategic partnerships with leading automotive dealerships across the Kingdom. These collaborations expand the reach and quality of its services and solutions, providing clients with broader access to a wide selection of vehicles and seamless purchasing experiences.
Such partnerships affirm Raya Financing’s position as a trusted partner in facilitating ethical vehicle acquisition, enabling individuals and businesses to enhance mobility and respond effectively to their evolving needs.
Shaping The Kingdom’s Economic Future
With a forward-looking mindset and deep roots in the Saudi financial landscape, Raya Financing continues to play a vital role in shaping the Kingdom’s economic future. Its dedication to innovation, professional excellence, and cross-sector collaboration ensures its leadership in advancing Shariah-compliant financial solutions nationally and beyond.
As the demand for ethical financial services grows, Raya Financing remains focused on its mission: providing top-notch Shariah-compliant auto financing services with Saudi expertise and working to elevate the financial well-being of all national entities and organisations.