WhatsApp · 9266 7773 80008322
EN عربي
EN عربي
Individual Finance
SME Finance
Corporate Finance
Corporate Deposits
Green Finance
Home About Us Investor Relations News & Media Contact Us
Call 80008322
Individual Finance · Lifestyle Finance

Live the life
you've earned.

Watches, bags, jewellery and more — whatever defines your lifestyle. Finance up to 100% of the purchase price, with approval in as little as 1 hour.

Hero Image
Lifestyle · Watches · Bags · Jewellery
100%
Of purchase price financed
48mo
Maximum tenure
1hr
Approval in as little as
??%
Indicative rate from p.a. ⚠ Confirm Hamed
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
Watches, bags, jewellery & lifestyle goods
Finance Amount
OMR 100 – OMR 10,000
Finance Cover
Up to 100% of purchase price
Tenure
Up to 48 months
Processing Time
As little as 1 working day
Early Settlement
Available — terms apply
Authorised Retailers
Funds paid directly to authorised retailer or brand store
Indicative Rate
??% p.a. ⚠ Confirm Hamed
Who Can Apply
Salaried employees
Min. OMR 300/month
Professionals
Doctors, lawyers, engineers
Business owners
SME registered in Oman
Omani & expat residents
Govt & private sector employees
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
Submit your application
Call 80008322, WhatsApp 9266 7773, or visit any branch. Share your documents and the retailer invoice for your item.
02
Get your decision
Our team reviews and processes your application. Most customers receive a decision in as little as 1 hour — we contact you directly.
03
Drive away
Sign your documentation and we disburse funds directly to the authorised dealer. Discreet and straightforward.
Funds disbursed directly to the dealer — no cash handling required. Subject to credit approval.
Lifestyle Finance Calculator
Estimate your monthly payment

Adjust the sliders to estimate your monthly instalment. Rate confirmed by your advisor.

Finance Amount OMR 15,000
OMR 100OMR 10,000
Tenure 36 months
3 months48 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
??% ⚠ Hamed
Indicative only — final rate confirmed by your advisor. Subject to credit approval.
Something caught your eye? Leave your details and we'll call you back — or WhatsApp us on 9266 7773.
What to prepare
Documents required

Four documents. Simple and fast. 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. Must show your name, employer, and monthly salary clearly.
Income
03
Bank Statements
Last 3 months. Shows salary credits and existing financial commitments. Required for all applicants.
Financials
04
Retailer Invoice / Proforma
From the authorised retailer or brand store. Must show item description, brand, and purchase price.
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

Yes — UFC works with all major dealerships across Oman. Once your application is approved, funds are disbursed directly to the dealer. Mention your preferred dealer to your advisor and we'll coordinate.

How much can I borrow?

UFC finances up to 80% of the purchase price for individual borrowers (up to 90% for certain customer types). Finance amounts range from OMR 1,000 to OMR 50,000. Your final approved amount depends on salary, existing liabilities and credit profile.

What is the minimum salary to qualify?

For employed applicants, the minimum monthly salary is OMR 300. Self-employed individuals require OMR 500/month, verified through bank statements. Professionals such as doctors, lawyers and engineers are also eligible — speak to your advisor about your situation.

How long does approval take?

UFC can approve finance in as little as 1 hour. Having all documents ready when you apply is the single biggest factor in how fast you get a decision.

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. Your advisor can provide a settlement quote at any time.

Is insurance included in my EMI?

Comprehensive vehicle insurance is required but not included in the EMI by default. UFC can arrange Bank Assurance cover through our insurance partners — ask your advisor to include this in your package.

Ready to apply?
Own the moment.
Start today.
Application
Form PDF
Toll-Free
80008322
Call Now
WhatsApp
9266 7773
Chat