# EMKAN Finance — EMKAN Finance

> Digital personal finance application and approval service. (iPhone/iPad app by امكان للتمويل.)

- Source: https://appshunter.io/ios/app/emkan-finance/id1508990688 (this page in markdown: same URL + `.md`)
- Developer: [امكان للتمويل](https://appshunter.io/developer/1508990687)
- Category: Finance, Business
- Price: Free
- Rating: 4.40/5 from 8,185 App Store ratings · 177 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.1 · 94 MB
- Languages: American English, Arabic
- Released: 2020-06-09
- Data updated: 2026-08-26
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/emkan-finance/id1508990688/reviews.md

## What is EMKAN Finance?

Dear customer, we bring you the revamped Emkan mobile app - an app that allows you to get personal financing fast and with ease.
Using the EMKAN app, you can fulfill your urgent financial needs digitally - you can apply for finance and find out if its approved all through the app, without the need to use traditional ways. 

Features: 
1.	End-to-end digital experience: You can apply for finance, know your eligibility offer, track your finance request, sign your contracts as well as digitally execute and receive your finance amount.
2.	Instant approvals: In case you're eligible, you can obtain the financing amount within minutes! 
3.	Easy requirements: Emkan provide to customers:
a.	work in public, private and military sector 
b.	with starting salary of 2000 SAR with/without salary transfer
c.	don’t need for a guarantor.
4.	Better user experience: easier steps and less requirements with the ability to modify your information and financing amount.
5.	Flexible finance amount with competitive rates: the financing starts from two thousand up to one and half million Saudi Riyals!


and much more for you to discover while using Emkan. Download it now!


National Address: 2382 Road92- Olaya Neighborhood, unit No. 1 Riyadh 12214-9355
For customer Support: 8001240251

## Key features

- End-to-end digital financing experience
- Instant approval for eligible applicants
- Easy requirements, no guarantor needed
- Flexible finance amounts up to 1.5 million SAR
- Competitive interest rates

## What do users think of EMKAN Finance?

Overall sentiment: negative

**Pros**

- 💻 Easy to use
- 🚀 Fast loan processing
- 👍 Helpful customer service

**Cons**

- 🔍 Unclear eligibility criteria
- 💰 High interest rates
- 🐛 Technical issues with the app
- 🕰️ Slow response times
- 🚫 Declined loan applications without explanation

**Commonly reported bugs**

- App crashes frequently
- Login issues and account suspensions
- Incorrect loan details displayed

**Most requested features**

- Ability to track loan status
- Option to make early repayments
- Improved in-app notifications

## Recent user reviews (10 of 177)

All indexed reviews: https://appshunter.io/ios/app/emkan-finance/id1508990688/reviews.md

### 1/5 — CAN’T DELETE MY ACCOUNT!!

*2026-07-23*

This app is a joke 
Once you register to try what they can offer you, you will no longer be able to remove your account. Even though there is a button to do so, but it is totally USELESS

### 1/5 — Emkan credit card

*2026-06-12, version 4.43.4*

Unfortunately credit card support is bad, cash back misleading, Apple pay addition is almost impossible, technical knowledge is weak. Not recommended.

### 1/5 — فيه افضل منه .. تتاخر كم شهر يطالبونك بكامل المبلغ

*2026-05-30*

لا انصح

### 1/5 — التطبيق لا يعمل

*2026-04-28*

التطبيق لا يعمل

### 1/5 — Fix your app

*2026-04-16, version 4.40.0*

يعني لاتطبيق يشتغل زي الناس ولا الموقع!!!!!
عدلوا التطبيق يوم تقدر تدخل و ١٠ لا

### 1/5 — Bunch of Scammers they want to hook you up

*2026-04-06*

Just run before you regret

### 1/5 — خدمتك تحتاج تحسين وتطبيق سيء

*2026-02-27, version 4.38.0*

خدمتك تحتاج تحسين وتطبيق سيء 
بطيء وخدمة عملاء تعبانة

### 1/5 — مالك شغل ، حاطه لي اختياري وفالنهايه ما اقدر ارسل المراجعه الا ب اسم ؟!

*2026-02-24, version 4.37.0*

التطبيق معلق وعندي مديونيه اذا جيت اسجل دخول يقول خطا تقني والمشكله ذي لها فوق الـ٣ اسابيع .. تواصلت معهم على رقمهم والرد الالي يرفع الضغط يطولها وهي قصيره ، مافيه خدمه التواصل مع موظف الا بعد مايحقق معك الرد الالي وما ادري ليه ماتخلون زر اختصار للتواصل مع الموظف .. ويوم تواصلت معهم قالو ترفع ايميل ورفعة ضغط حسبي الله ونعم الوكيل فيهم واذا تاخرت بالسداد بيضرون اسمي في سمة

### 1/5 — ضعيف جدا جدا جدا

*2026-01-25, version 4.35.0*

تم طلب تمويل واتفاجى عند توقيع العقود تم وضع رقم ايبان باسم شخص اخر ⁉️ الطبيعي الاواصل مع خدمة العملاء للنظر في الموضوع وايجاد حلول مناسبه للعميل وتوضيح السبب والتعديل ولكن للاسف الموظفين الذين قامو بالرد على اتصالي غير متعاونين وما هم حافطين الا جمله وحده ماعندي شي اقدر اساعدك فيه اكثر شي زعلني ان الموضوع في نظرهم شي عادي وبسيط جدا والحمدالله على كل حال هذي تجربتي مع البرنامج ولا نصح فيه نهائيا

### 1/5 — سيئ

*2025-12-26, version 4.31.0*

التطبيق سيى جدا ودايم مشاكله ومافيه اهتمام بالتطوير والخدمات ودايم مشاكل

## Frequently asked questions about EMKAN Finance

### What does the EMKAN Finance app do?

The EMKAN Finance app provides a fully digital platform for users to apply for personal financing. It allows you to complete the entire process, from application and eligibility checks to contract signing and receiving funds, all within the app.

### What are the key features of the EMKAN Finance app?

Key features include an end-to-end digital experience for applying and managing your finance, instant approvals for eligible candidates, easy requirements such as working in specific sectors and a minimum salary of 2000 SAR without needing a guarantor. It also offers flexible finance amounts and competitive rates.

### How much can I borrow with the EMKAN Finance app?

The app offers flexible finance amounts ranging from two thousand up to one and a half million Saudi Riyals, catering to a wide range of financial needs.

### What are the eligibility requirements for financing through the app?

To be eligible, you generally need to work in the public, private, or military sector with a starting salary of 2000 SAR (with or without salary transfer). A key benefit is that no guarantor is required.

### Is the EMKAN Finance app free to use?

The description indicates that the app itself is free to download and use for applying for financing. While the app is free, the financing services provided through it will have associated costs and interest rates.

## Version history (last 5 releases)

### 4.49.0 — 2026-08-23

New Update in Emkan App!
Financing at the press of a button... with steps designed to match the pace of your day.
- An enhanced and seamless user experience.
- Smart and fully digital financing solutions.
Update the Emkan app now, and always stay on track!

### 4.48.0 — 2026-08-12

New Update in Emkan App!
Financing at the press of a button... with steps designed to match the pace of your day.
- An enhanced and seamless user experience.
- Smart and fully digital financing solutions.
Update the Emkan app now, and always stay on track!

### 4.47.0 — 2026-07-23

New Update in Emkan App!
Financing at the press of a button... with steps designed to match the pace of your day.
- An enhanced and seamless user experience.
- Smart and fully digital financing solutions.
Update the Emkan app now, and always stay on track!

### 4.46.0 — 2026-07-08

New Update in Emkan App!
Financing at the press of a button... with steps designed to match the pace of your day.
- An enhanced and seamless user experience.
- Smart and fully digital financing solutions.
Update the Emkan app now, and always stay on track!

### 4.45.1 — 2026-06-30

New Update in Emkan App!
Financing at the press of a button... with steps designed to match the pace of your day.
- An enhanced and seamless user experience.
- Smart and fully digital financing solutions.
Update the Emkan app now, and always stay on track!

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-26.*