Beta Demo — Zood is in development. This is a preview of the platform, not a live product.  |  Powered by Autonex
Saudi Arabia's Fastest Financing

Finance in
Minutes.
Invest & Earn.

Zood connects people who need quick personal finance with investors who want to earn competitive returns — powered by AI, regulated by SAMA.

15 min
Average approval time
SAR 1K
Minimum financing
8–14%
Annual investor returns
⚡
Funded in 15 min
Your Financing
SAR 5,000
12 months · 9% p.a.
✓ Approved
Portfolio Return
+SAR 840
Annual yield · 11.2%
↑ On track
TRANSFER PROGRESS
📈
+11.2% returns
SAR 1K–50K
Financing range per application
15 min
Average time to funding
8–14%
Target annual investor return
100% Digital
No paperwork, fully mobile
Two-sided Platform

Built for Borrowers & Investors

Whether you need quick personal financing or want to put your money to work — Zood serves both sides of the market.

For Borrowers
Get Financed Fast
Apply in minutes, get approved by AI, receive funds in your bank account — same day.
⚡
15-Minute ApprovalAI-powered credit assessment using your Absher data and bank history.
💸
SAR 1,000 – 50,000Flexible financing amounts with repayment terms from 3 to 36 months.
🔒
No Hidden FeesTransparent profit rates, fully Shariah-compliant structure.
Apply Now →
For Investors
Earn 8–14% Returns
Fund verified borrowers, diversify across hundreds of loans, and earn monthly returns.
📊
Auto-DiversificationFunds spread automatically across multiple borrowers to reduce risk.
📅
Monthly ReturnsReceive profit distributions directly to your bank account every month.
🇸🇦
Saudi Nationals OnlyInvestment open to Saudi residents, fully compliant with SAMA rules.
Start Investing →
Process

How Zood Works

Borrowers Get Financed
1
Create Account & Verify Identity
Sign up with your Saudi National ID, verify via Absher, and link your bank account through Open Banking.
2
AI Credit Assessment
Our AI reviews your income, credit history, and financial profile in seconds — no paperwork required.
3
Receive an Offer
View your personalized financing offer — amount, profit rate, and repayment schedule — and accept in one tap.
4
Funds in Your Account
Once funded by investors, money is transferred directly to your bank — same day, no branch visit needed.
Investors Earn Returns
1
Register & Fund Your Wallet
Create your investor account, complete KYC, and deposit funds from SAR 1,000 to start your portfolio.
2
Choose Your Risk Profile
Select Conservative, Balanced, or Growth — Zood auto-allocates your funds across matching borrowers.
3
Fund Verified Borrowers
Your money is automatically distributed across hundreds of credit-scored borrowers to diversify risk.
4
Collect Monthly Returns
Receive monthly profit payments directly to your bank. Reinvest or withdraw at any time.
Platform Features

Built for Saudi Arabia

Every feature designed around the needs of Saudi borrowers and investors.

🤖
AI Credit Scoring
Machine learning model trained on Saudi financial data for accurate, instant credit decisions.
🔐
Absher Integration
Identity verified directly through Saudi Absher — no manual document uploads required.
🏦
Open Banking
Connects to all major Saudi banks for instant income verification and direct disbursement.
☪️
Shariah Compliant
All financing structured as Murabaha — no interest, fully compliant with Islamic finance principles.
📱
Mobile First
Native iOS and Android apps with full Arabic RTL support. Apply, invest, and manage in one place.
🛡️
Investor Protection
Diversification engine spreads risk. Reserve fund covers late payments. Transparent risk reporting.
Compliance & Regulation

SAMA-Path Regulated

Zood is pursuing licensing through the Saudi Central Bank (SAMA) Regulatory Sandbox — the same path taken by Saudi Arabia's leading fintech companies. All operations comply with Saudi AML/KYC requirements and consumer protection standards.

🏛️
SAMA
Regulatory Sandbox
☪️
Shariah
Board Approved
🔒
AML/KYC
Fully Compliant
🇸🇦
Vision 2030
Fintech Aligned

Ready to get started?

Join the waitlist. Be among the first to access Zood when we launch.