How do I apply for finance?

Call us on 8000 83 22, WhatsApp us, or use the callback form above. An advisor will guide you through the process and tell you exactly what documents are needed.

How long does approval take?

Most applications receive a decision within 24 hours of complete document submission. Your dedicated advisor will keep you updated throughout.

What documents do I need?

Typically: National ID, salary certificate (last 3 months), and bank statements (last 3 months). Business finance requires additional documents. Download the full checklist from our Forms & Documents page.

What is the minimum salary to qualify?

OMR 300/month for employed applicants. OMR 500/month for self-employed. Final eligibility depends on your full financial profile and existing liabilities.

Can I settle my finance early?

Yes. Early settlement is available on all products. Charges and rebates are applied per UFC's standard schedule in line with Central Bank of Oman regulations.

Does UFC finance electric vehicles?

Yes — EV and hybrid vehicles are covered under our Green Finance range, alongside solar panel finance and green equipment finance for businesses.

Whatever your business,we’ll help you grow

Achieve more here Explore Products

1.2

Finance disbursed

Decision turnaround

min

To apply

6–120

Tenor options

Find the Right Product

What are you financing?

Browse products and go straight to the page you need.

Car Finance

New cars

Used Car Finance

Pre-owned vehicles

Motorbike Finance

Two-wheelers & scooters

Boat Finance

Marine & leisure craft

Electronics Finance

Phones, laptops & appliances

Furniture Finance

Home & office furnishing

Lifestyle Finance

Travel, wellness & more

Finance Calculator

Estimate your monthly EMI.

Our team confirms your exact rate when you get in touch.

What are you financing?

How much do you need? 15,000

1,00050,000

Over how long?36 months

6 months60 months

Call Now - 8000 83 22

Send via WhatsApp

Estimated Monthly EMI

454

Per month · 36 months · 15,000

Finance Amount

15,000

Total Interest

1,330

Total Repayment

16,330

Indicative Rate

5.6% p.a.

Why UFC

Trusted byOmanis since 1997

Best Performing Company 2024

Muscat Stock Exchange · Annual Awards

115 MAsset base ()

135 +Staff members

24 hrDecision turnaround

5 minTo complete

Listed on Muscat Stock Exchange

Publicly traded · Regulated · Audited annually

Call Finance Advisor

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Customer feedback

What our customers say.

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Rahma Al Amri

Used Car Finance · Muscat

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Khalid Al Harthy

Finance Manager · Salalah

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Abdullah Al Saadi

Used Car Specialist · Sohar

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Fatima

Car Sales Executive · Muscat

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Yousef Al Saadi

Car Finance Executive · Salalah

The process

Approved in3 simple steps.

Speak to an Advisor

Call, WhatsApp, or visit any branch.

Submit Documents

ID and salary certificate. Our team guides you.

Get Approved

Most decisions within 24 hours of submission.

NEWS & MEDIA

Latest updates.

12 Dec 2024Announcement

United Finance Company Signs Strategic Partnership with Zoomlion to Enhance Financial Solutions in Oman’s Construction Sector.

United Finance Company Signs Strategic MOU with Zoomlion to Support Construction and Infrastructure Growth in Oman Muscat, Oman [12/12/2024] : In a significant move to strengthen its leadership in the Omani market, United Finance Company has proudly signed a strategic Memorandum of Understanding (MOU) with Zoomlion, the global leader in construction machinery, ranked as the sixth-largest construction machinery manufacturer in the world and the largest in China. This partnership aims to provide innovative and flexible financial solutions for businesses and individuals, making it easier for them to access advanced construction machinery. The collaboration reflects United Finance’s commitment to delivering cutting-edge services that drive business growth and sustainable development in the construction and infrastructure sectors. Driving Growth and Innovation in Oman The MOU aims to support local businesses by enhancing their ability to access heavy and construction machinery through flexible financing options, enabling them to execute their projects more efficiently. This partnership represents a pivotal step in meeting the growing demand for modern machinery in the Sultanate, especially in light of the ongoing growth in the construction and infrastructure sectors. “We are extremely excited to collaborate with Zoomlion in this landmark partnership. Together, we strive to support Omani businesses by offering tailored financial solutions that meet their unique needs and empower them to achieve greater success.” Fawaz Al Riyami - Chief Business Officer, United Finance Company A Shared Vision for the Future This partnership marks a significant step toward contributing to the economic development of the Sultanate. By combining United Finance's financial expertise with Zoomlion’s advanced technology, clients will benefit from flexible financing options and comprehensive solutions that address their project needs. Mr. Fawaz Al Riyami, CBO of United Finance Company, and Mr. Qirui Zhong, Deputy General Manager of Zoomlion Company.

27 Sept 2024News

United Finance announces the Al Luban Road Trip: A thrilling 20,000 km road adventure by motorcycle.

United Finance Supports the Al Luban Road Trip Adventure United Finance Company is excited to announce its support of the Al Luban road trip, an exhilarating adventure that will see two intrepid motorcyclists, Abdullah Al-Khatri and Hamood Al-Abri, embark on a rugged journey of some 20,000 kilometres. This daring expedition will take them from Oman through Iran, Kazakhstan, Uzbekistan, and on to distant horizons including Russia. Achieve More Through Adventure In line with United Finance’s “Achieve More” slogan, the Luban Trip exemplifies the spirit of determination and adventure that drives the company forward. Abdullah Al-Khatri and Hamood Al-Abri will be representing not just United Finance, but also the entire motorcycle community as they take on this extraordinary journey. “We are incredibly proud to support Abdullah and Hamood on this ambitious adventure. Their journey highlights the core values of our ‘Achieve More’ slogan – pushing boundaries, overcoming challenges, and striving for excellence. We support ambition through our core business, helping people to achieve more with our various finance services. And so, it is natural for us to support people like them.” Nasser Al Rashdi - Chief Executive Officer, United Finance Company Abdulaziz Diyab, Chief Transformation Officer at United Finance, explained that Abdullah and Hamood are the first official “Brand Ambassadors” for the company, with more ambassadors to be announced in the future. He noted that while their ambitions may differ, they all share a common spirit of growth, commitment, and passion. A Journey Beyond Borders The Al Luban Trip is more than just a road journey; it is a testament to the power of perseverance and the joy of exploration. As Abdullah and Hamood prepare for their journey, United Finance invites the motorcycle community and adventure enthusiasts to join in wishing them success and achievement. Followers can stay connected through United Finance’s social media channels for updates, stories, and breathtaking moments from both on and off-road adventures across mountains, deserts, and seldom-visited countries. Adventurers Abdullah and Hamood joined United Finance Company employees and the Omani biker team (Oman Riders) at the beginning of their epic road trip.

25 Sept 2024News

United Finance Company receives the Alam Al Iktisaad Award for Best Performing Company 2024

United Finance Wins Alam Al Iktisaad Award for Best Performing Company 2024 United Finance Company has once again been recognized with the prestigious Alam Al Iktisaad Award for Best Performing Company for the year 2024. The award was presented at a ceremony held on September 25th, 2024, at the Sheraton Oman Hotel. Organized by Alam Al Iktisaad, Oman’s leading Arabic business magazine, the awards celebrate the remarkable achievements and contributions of Oman’s business community. Recognition of Excellence and Growth This recognition marks another milestone for United Finance, reflecting its consistent growth, innovation, and leadership within the finance and leasing sector. Over the years, the company has significantly expanded its offerings, providing diverse and tailored financial solutions to meet the needs of both individual and corporate clients. United Finance has also prioritized digital transformation, enhancing customer experience, while maintaining strong corporate governance and social responsibility practices. “Receiving this award once again is a proud moment for United Finance. It not only acknowledges the progress we've made as a company but also highlights the strength of the relationships we’ve built with our customers, partners, and shareholders. This achievement is a collective effort - our employees, whose passion and hard work are the foundation of our success, play an integral role. We will continue to grow by focusing on innovation, sustainability, and delivering value to those we serve. Together, we look forward to setting new benchmarks in the industry.” Nasser Al Rashdi - CEO, United Finance Company Looking Ahead Looking ahead, United Finance is poised to further strengthen its market position, guided by its strategic focus on innovation, customer-centricity, and sustainable growth. Mr. Nasser Al Rashdi, CEO of United Finance, receiving the Alam Al Iktisaad Award for Best Performing Company 2024.

09 Sept 2024Announcement

United Finance and Al Fairuz Trading & Contracting sign strategic memorandum of understanding

United Finance Signs Strategic MOU with Al Fairuz Trading & Contracting Company United Finance Company SAOG is pleased to announce the signing of a strategic Memorandum of Understanding (MOU) aimed at enhancing financial solutions for customers in the Sultanate of Oman. The MOU was signed by Mr. Nasser Al Rashdi, CEO of United Finance Company, and Mr. Adil Al Fairuz, Chairman of Al Fairuz Trading & Contracting Co. LLC. Enhancing Access to Heavy Equipment Financing This partnership marks a significant step forward in facilitating the purchase of heavy equipment and machinery by providing tailored financing solutions through UFC. The collaboration is designed to support Al Fairuz's customers by offering accessible and flexible financing options, thereby driving growth and expanding market reach for both organizations. “This MOU represents our commitment to supporting businesses in Oman by providing innovative financial solutions. We are excited to partner with Al Fairuz, a company with a long-standing reputation in the industry, to offer added value to their customers.” Nasser Al Rashdi - CEO, United Finance Company Strengthening Collaboration and Market Growth The MOU outlines the framework for cooperation between the two companies, including special financing solutions and streamlined processes for customer referrals. Both UFC and Al Fairuz are committed to working closely together to ensure the success of this partnership. This strategic alliance is expected to strengthen the market presence of both companies and contribute to the economic development of the Sultanate of Oman by supporting businesses in their growth and expansion efforts. Mr. Nasser Al Rashdi, CEO of United Finance Company, and Mr. Adil Al Fairuz, Chairman of Al Fairuz Trading & Contracting Company.

FAQ

Frequently Ask Questions

We offer a variety of financing solutions including Car Finance, Personal Finance, Boat Finance, Medical Equipment Finance, and SME Financing. Our plans are designed to meet different financial needs with flexible repayment options.

REGULATED & COMPLIANT

Central Bank of Oman

Financial Services Authority

Muscat Stock Exchange (MSX)