Overview

Long story short:
✅ Up to BD 40,000
✅ Instant Approval
✅ Few Clicks
✅ Competitive Annual Percentage Rate (APR) starting at 4.99%

Personal Finance is now available via ONE App.

CWhy Choose ONE for Personal Finance?

Instant Approval

Apply in minutes, get approved instantly. No long forms. No waiting. Just quick access to real funds

Finance Up to BD 40,000

Whether it’s a home renovation, car purchase, higher education, or business startup, ONE empowers your bigger goals.

Annual Percentage Rate (APR) from 4.99%

Enjoy one of the most competitive APRs in Bahrain, with flexible repayment plans of up to 7 years.

Salary Transfer Required

Secure your financing with a simple salary assignment. Safe, simple, and supported by leading Bahrain-based financial institutions.

Licensed & Bank-Backed

ONE App partners only with licensed, Shariah-compliant financial institutions in Bahrain. Your financing is safe, trusted, and fully compliant.

Trusted by Thousands of users in Bahrain

ONE is designed for Bahrain’s workforce who need smarter financial tools, from instant finance to personal finance, all under one app.

How to Apply

from the App Store or Google Play or Huawei

Download ONE App

Log in and tap on Personal Finance

Login

link your salary account

Link account

Get instant approval (if eligible)

Approval

Funds are processed upon salary transfer

Fund processed

from the App Store or Google Play or Huawei

Download ONE App

it only takes a few minutes.

Register and verify your account

and view the details of the investment

Browse upcoming Sukuk issuances

(starting from BD 500).

Select your investment amount

and you’re done!
✅ No branch visits
✅ No paperwork
✅ All investments visible in your app dashboard

Confirm your subscription

FAQs

BD 40,000 is the maximum finance amount.

7 years is the maximum tenor allowed.

This product is available for all salaried Bahrainis.

Right now salaried expats can only apply for instant finance.

Our credit decision engine is AI powered and considered multiple elements to determine eligibility and credit worthiness so at times, it might offer you a lower amount.

This is to ensure your commitment to provide the salary assignment letter within 15 days of the facility.

Yes. All financing is done through Shariah-compliant, licensed financial institutions regulated in Bahrain.

Instant Finance = Smaller amounts (up to BD 1,000), short-term

Personal Finance = Larger amount (up to BD 40,000), long-term repayment with salary transfer

Yes, a salary transfer is required to access this financing option. This helps ensure a secure and smooth funding process.

The APR is competitive and starts at 4.99%. Your final rate will depend on your profile and bank assessment.

The approval is instant if all required information is submitted and verified.

If your question is not listed, please visit our FAQ page.

FAQ ONE App