Sanady Fintech connects borrowers with trusted shopkeepers to provide quick, Shariah-compliant, interest-free loans with a simple 15-day repayment plan and a flat fee. Experience seamless loan processing, physical card payments, and flexible repayment options through our mobile app or kiosks.
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Problem
More than a fintech platform, Sanady is a movement to unlock financial freedom for the underbanked. We believe everyone deserves fair, dignified financial access—regardless of income or background. Across the UAE, millions are left out of traditional banking, unable to get the credit they need for emergencies, essentials, or opportunity.
Solution
Inspired by the values of community support and financial empowerment, Sanady uses technology and trusted local shopkeepers to deliver micro-loans directly to those who need them most. With every loan, we’re not just offering cash—we’re creating a pathway to stability, dignity, and hope.
Discover the features that make Sanady the go-to platform for micro-loans and financial empowerment.
Download App
Get approved for a 1000.00 AED loan in minutes with our streamlined application process. No lengthy paperwork, just quick approvals.
Use your Sanady prepaid card for secure purchases at any POS terminal, powered by our trusted partner, Areeba.
Manage your loans, track balances, and receive real-time notifications with our user-friendly mobile app.
Partner with verified shopkeepers across the UAE for personalized loan support and flexible repayment options.
Our platform is fully Shariah-compliant, using the Wakalah Bil Ujrah model to ensure all micro-loans, card issuances, and repayments are handled ethically and transparently.
How it works
Applying for a loan with Sanady is quick, secure, and hassle-free.
Start Your ApplicationVisit any Sanady-partnered grocery or baqalah where our kiosk or terminal is available.
No paperwork, no bank account. Just verify with your Emirates ID in seconds.
Borrow up to AED 1000.00 in under 3 minutes, disbursed directly at the store counter.
Choose one-time or split repayment. 15-day term with no interest, only a flat fee.
Choose the repayment method that suits your lifestyle. Sanady offers multiple ways to settle your 1000 AED loan within 15 days.
Visit your trusted Sanady shopkeeper to repay your loan in cash or card. You can also top up your loan amount for future use directly through the shopkeeper, making it quick and convenient.
Use our convenient kiosk payment system to quickly repay your loan. This self-service option allows you to make payments 24/7 at your convenience, accepting both cash and card payments with instant processing.
Benefits
Join our network of trusted shopkeepers and earn commissions while helping your community access quick loans and flexible repayments.
Become a partner
Benefits
Sanady makes borrowing easy, secure, and tailored to your needs.
Apply now and Get StartedYour peace of mind is our priority. Sanady keeps your data and transactions safe with top-tier security. We partner with Areeba for secure card services, use biometric login for easy access, and provide real-time alerts. We're fully compliant with UAE Central Bank regulations.
Download the Sanady mobile app to apply for loans, track payments, manage your card, and make repayments or top-ups with ease.
