With ruya's easy, flexible and ethical Shari'ah-compliant finance, your dreams are within reach.
At ruya, we believe in financial solutions that genuinely serve our community — transparent, fair, and aligned with your values. With ruya Personal Finance, you can instantly view an indicative instalment estimate and apply conveniently through the ruya app, ensuring a fully digital, simple, and transparent experience. Final eligibility and instalment details will be confirmed upon application approval.
Whether it’s covering school fees, planning a family event, or managing unexpected expenses, ruya Personal Finance is here to support you, when you need it most.
100% adherence to Islamic banking principles, providing ethical financial solutions.
Starting from just 5.49% (fixed reducing rate)
From school fees to unexpected costs, ruya Personal Finance gives you the help you need with competitive profit rates and flexible plans.
Apply through the ruya app and enjoy a seamless, fully transparent personal finance experience — ethical, simple, and fast.
Minimum salary is AED 5,000
Minimum age at time of application should be 21 years.
Valid Passport, Emirates ID , Salary Certificate or Payslips for 3 months Salary transfer, letter with end of service benefit from employer Last 3 months bank statement (if required), Additional income details (if required)
