01
No required down payment
When your available credit covers the full purchase, you can convert the transaction without a separate down payment.
Cars & Auto
Buy a car with your credit card—without a traditional car loan
Use an eligible credit card at participating car merchants and split the purchase into monthly installments with Amwal.
A simpler route to car ownership
02
The car is yours
Purchase and register the car in your name rather than entering a long-term vehicle-finance lease.
03
Skip the long loan process
Use the credit card your bank has already issued instead of starting a separate auto-loan application.
04
No comprehensive insurance required by Amwal
Amwal does not require a comprehensive policy to create the installment plan. Dealer, bank, and legal requirements may still apply.
From showroom to monthly plan
Choose your car
Visit a participating merchant and agree on the final purchase price.
Pay with an eligible card
Ask for Amwal bank installments and select an available plan at checkout.
Drive away
Complete the purchase and repay your card in monthly installments under your bank’s terms.
Your available credit should cover the purchase
Your bank places a hold on the full transaction amount before converting it into installments. If your available limit is lower than the car price, ask the dealer whether it can split the bill across eligible cards or accept a partial upfront payment. Availability is determined by the merchant and your bank.
Where to buy
Featured automotive merchants
Buying a car with a credit card: FAQs
Can I buy a car with a credit card in Saudi Arabia?
Yes, participating automotive merchants can accept an eligible credit card through Amwal. Your available credit limit must cover the amount charged to the card, and bank approval and plan terms apply.
Do I need to apply for a car loan?
No separate auto-loan application is required for an Amwal credit card installment transaction. You use an eligible card already issued by a participating bank.
What if my credit limit is lower than the car price?
Ask the dealership whether it can split the transaction across eligible cards or accept a partial upfront payment. The merchant and your bank determine what is permitted.
Will the car be registered in my name?
This is a vehicle purchase rather than a vehicle-finance lease. Registration and ownership transfer are completed through the merchant and applicable government procedures.