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Individual Finance · Electronics Finance

The tech you want.
Payments that work.

Finance laptops, smartphones, home appliances, televisions and more. Available at leading retailers across Oman — up to OMR 5,000, tenures up to 24 months.

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Lifestyle · New Car
5,000OMR
Maximum finance amount
24mo
Maximum tenure
1hr
Approval in as little as
5.5%
Indicative rate from p.a.
Product Details
What you need to know

Full terms at a glance. Your advisor walks through the exact figures once you're ready to apply.

Eligible Items
Consumer electronics, home appliances, smartphones, laptops, TVs
Finance Amount
OMR 100 – OMR 5,000
Finance Cover
Up to 100% of item price
Tenure
3 – 24 months
Down Payment
From 0% (subject to eligibility)
Indicative Rate
From 5.5% p.a. (flat)
Early Settlement
Available — terms apply
Purchase Method
Via participating retailers
Who Can Apply
Salaried employees
Min. OMR 300/month
Professionals
Doctors, lawyers, engineers
Business owners
SME registered in Oman
GCC residents
Valid residency · 6+ months employment
All applicants subject to BCSB credit check. Final eligibility confirmed by your advisor.
Simple process
Three steps to your car

Most approvals complete the same business day. Having your documents ready is the only thing that speeds it up.

01
Choose your items
Select your electronics at any participating retailer. Ask the retailer for a UFC finance application, or call us directly on 80008322.
02
Quick approval
Our team reviews your application — most decisions in as little as 1 hour. You'll receive a call or WhatsApp confirmation.
03
Take it home today
Once approved, payment is settled directly with the retailer. You walk out with your purchase.
Funds disbursed directly to the dealer — no cash handling required. Subject to credit approval.
Car Finance Calculator
Estimate your monthly payment

Move the sliders to find a number that works for you. Your advisor confirms the exact rate when you apply.

Finance Amount OMR 15,000
OMR 1,000OMR 50,000
Tenure 36 months
6 months60 months
Estimated Monthly EMI
OMR 456
per month · 36 months · OMR 15,000
Finance Amount
OMR 15,000
Total Interest
OMR 2,475
Total Repayment
OMR 17,475
Indicative Rate
5.5% p.a.
Indicative only — final rate confirmed by your advisor. Subject to credit approval.
Happy with these numbers? Leave your details and an advisor calls you back — or WhatsApp us directly on 9266 7773.
What to prepare
Documents required

Four documents. That's all. Have these ready and your application can be processed in as little as 1 hour.

01
National ID or Residence Card
Original + copy. Omani national ID or valid GCC residence card. Must be current and not expired.
Identity
02
Salary Certificate
Original, issued within the last 3 months. Required for employed applicants.
Income
03
Bank Statements
Last 3 months. Used to confirm regular income and existing commitments.
Financials
04
Retailer Quotation or Invoice
Issued by the retailer. Must clearly show all items, individual prices, and total purchase value.
Purchase
The application form is included in your document pack. Your advisor will confirm if anything else is needed for your specific situation.
Common questions
Frequently asked questions
Which retailers participate?

UFC works with major electronics and appliance retailers across Oman. Ask in-store or call us to confirm if your retailer is part of the network.

Can I finance a mix of items in one application?

Yes — multiple items from the same retailer can be combined in a single application, subject to the OMR 5,000 maximum.

What is the minimum finance amount?

The minimum is OMR 100. For smaller purchases, your advisor may suggest alternative payment options.

How quickly can I get approval?

Most applications are approved in as little as 1 hour when all documents are in order.

Can I finance second-hand electronics?

Electronics finance is available for new items purchased from participating retailers only.

Ready to apply?
Take it home.
Start today.
Application
Form PDF
Toll-Free
80008322
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WhatsApp
9266 7773
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