Direct answer: You install a car payment on your credit card on Carly through 5 steps: pick the car on HalaCarly.com, select “Bank Installment via Amwal” at checkout, choose your bank (Al Rajhi or SNB) and installment term (3-24 months), then pay with your credit card. The bank reserves the amount from your card limit and splits it into monthly installments with lowest profit margin, while Carly receives the full amount instantly and delivers your car in 24-72 hours. Approval is instant in 12 seconds, with no paperwork or salary transfer, and you keep all your card’s reward points.

What’s Inside This Guide

1. Before you start: service usage requirements
2. The 5 steps in detail
3. Calculation examples: monthly installments for cars at different prices
4. The smart option: Hybrid Payment
5. How to track your installments after purchase?
6. When does approval arrive?
7. The difference between direct payment and bank installment via Amwal
8. Common mistakes to avoid
9. Frequently Asked Questions (FAQ)

1. Before You Start: Service Usage Requirements

To install a car payment on your credit card on Carly, you need:

Basic Requirements

• Credit card from Al Rajhi Bank or Saudi National Bank SNB
• Sufficient card limit to cover the car price (for full installment) or part of it (for Hybrid Payment)
• Active and valid card (not closed or suspended)
• Saudi mobile registered in your name to receive OTP

What You Don’t Need

• ❌ Salary transfer
• ❌ GOSI certificate (Social Insurance)
• ❌ Salary certificate
• ❌ Bank statement
• ❌ Any bank visit

Note: The service is currently available for Al Rajhi and SNB card holders. Alinma Bank coming soon.

2. The 5 Steps in Detail

Step 1: Pick Your Car on Carly

Visit HalaCarly.com/buy and use filters to pick the right car:

• Budget: total price or monthly installment
• Brand and model
• Year and mileage
• Transmission (automatic / manual)

Each car comes with a detailed 150-point inspection report, comprehensive photos, and Carly’s 12-month warranty.

Step 2: At Checkout, Select “Bank Installment via Amwal”

On the payment page, you’ll see options:

Select “Bank Installment via Amwal”.

Step 3: Choose Your Bank and Installment Term

A selection box will appear:

Choose the Bank:

• Al Rajhi Bank → TASAHEEL program (Tawarruq)
• Saudi National Bank SNB → EPP program (Murabaha)

Choose Installment Term:

• 3 months (for economy cars)
• 6 months
• 12 months (most popular)
• 18 months
• 24 months (for luxury cars)

Your monthly installment will appear instantly before confirming.

Step 4: Pay with Your Credit Card (12 Seconds)

Enter your card details:

• Card number (16 digits)
• Expiry date
• CVV (3 digits on back)

What happens in the background:

1. Amwal sends the request to the bank
2. The bank verifies the card limit
3. The bank reserves the full amount
4. The bank automatically converts it into monthly installments
5. Carly receives the full amount instantly
6. You receive a confirmation message

All this happens in just 12 seconds (the world’s fastest checkout system per VISA).

Step 5: Receive Your Car in 24-72 Hours

Carly handles:

• ✅ Ownership transfer at Absher under your name
• ✅ Car preparation
• ✅ Door-to-door delivery across all Saudi cities

You receive the car at home with all official documents.

3. Calculation Examples: Monthly Installments for Cars at Different Prices

Example 1: Economy Car at SAR 45,000

Example 2: Mid-Range Car at SAR 80,000

Example 3: Luxury Car at SAR 150,000

Note: These are examples. The actual installment depends on your bank (Al Rajhi or SNB) and card limit. Small bank service fees may apply (not Riba interest).

4. The Smart Option: Hybrid Payment

A unique feature on Carly: you can pay part of the car with your credit card + part via other methods. Especially useful if the car is more expensive than your card limit.

Common Scenarios

Scenario 1: Card + Cash

SAR 100,000 car, your card limit is SAR 60,000:

• SAR 60,000 on card (12-month installment = SAR 5,000/month)
• SAR 40,000 direct bank transfer

Scenario 2: Card + Bank Financing

SAR 200,000 car:

• SAR 100,000 on card (24-month installment = SAR 4,167/month)
• SAR 100,000 bank financing 60 months = ~SAR 1,750/month
• Monthly total: ~SAR 5,917 (24 months), then SAR 1,750 (remaining 36 months)

Scenario 3: Card + Tamara

SAR 80,000 car:

• SAR 50,000 on card (18-month installment)
• SAR 30,000 Tamara (12 months)

Scenario 4: 3 Methods

SAR 250,000 car:

• SAR 80,000 on credit card
• SAR 50,000 cash
• SAR 120,000 bank financing

How to Request Hybrid Payment?

Simply: contact Carly’s sales team via:

• In-app chat
• WhatsApp
• Phone call

Explain the amount you want to pay on the card, and Carly splits the operation and guides you step by step.

5. How to Track Your Installments After Purchase?

Al Rajhi Bank Customers

1. Open the Al Rajhi app
2. Go to “Financing”
3. Select “TASAHEEL”
4. You’ll see installment details: remaining amount, each installment date, early payment option

Saudi National Bank SNB Customers

1. Open the SNB AlAhli app
2. Go to “Credit Cards”
3. Select “EPP” (Equal Payment Plan)
4. You’ll see all your active installments and their details

Automatic Notifications

The bank sends you:

• Notification 7 days before each installment
• Notification when the installment is deducted
• Monthly notification with the remaining amount

6. When Does Approval Arrive?

Complete Timeline

7. The Difference Between Direct Payment and Bank Installment via Amwal

When to choose installments over direct payment? If you don’t want to use your full card limit at once, or want to keep liquidity for other expenses.

8. Common Mistakes to Avoid

Mistake 1: Transferring a Deposit Before Choosing the Car

The problem: Some people transfer deposits before selecting the car, then have to request a refund if they change their mind.

The fix: Choose the car first, then pay through Carly’s official gateway.

Mistake 2: Using a Card Near Expiry

The problem: If your card expires within 6 months, the bank may reject long installments (24 months).

The fix: Renew the card before installment, or choose a short term (3-6 months).

Mistake 3: Not Calculating Sufficient Limit

The problem: Card limit is SAR 80,000, car is SAR 75,000, but you forgot the 15% VAT (ZATCA).

The fix: The advertised price on Carly includes VAT, so you don’t need to recalculate. But verify your card limit.

Mistake 4: Not Asking the Sales Rep About Hybrid Payment

The problem: If your card limit doesn’t cover the car, some assume they can’t benefit.

The fix: Request Hybrid Payment, benefit from the card on part + other methods for the rest.

Mistake 5: Late Installment Payments

The problem: Late installments leave a negative mark on SIMAH and affect your credit rating.

The fix: Activate auto-debit from your account, and set a reminder a week before each installment.

9. Frequently Asked Questions (FAQ)

How do I install a car payment with my credit card on Carly?

5 steps: pick the car on HalaCarly.com, select “Bank Installment via Amwal” at checkout, choose the bank and installment term, pay with your card, receive the car in 24-72 hours.

Can I use a credit card from a bank other than Al Rajhi and SNB?

Currently, the service is available only for Al Rajhi and SNB cardholders. Alinma Bank coming soon.

What if my card limit is less than the car price?

Use the Hybrid Payment feature: pay part of the car with the card + the rest via another method (bank financing, Tamara, or cash). Contact Carly’s sales rep to split the amount.

Can I use a debit card (Mada)?

No, the service is dedicated only to credit cards. Mada is used for regular direct payments, not installments.

What’s the maximum number of installments?

24 monthly installments (2 years).

Is there a small profit margin? How does the bank profit?

A lowest profit margin on you. The bank profits from small service fees that Carly pays for offering this feature to its customers. These fees are pre-agreed and are not Riba interest.

Do I need to visit a bank branch?

No, everything is electronic. Just enter your card details on Carly’s website.

What if the bank rejects the operation?

Common rejection reasons:

• Card limit doesn’t cover the amount
• Card expired or suspended
• Temporary technical issue

In case of rejection, contact your bank to learn the reason, or choose an alternative payment method on Carly.

How does the bank calculate the monthly installment?

Simple formula: Amount ÷ Number of Installments = Monthly Installment. Without interest.

Example: 60,000 ÷ 12 = SAR 5,000/month.

Are points and cashback guaranteed?

Yes, you get all card points and cashback on the full amount (not on installments). This is a major benefit.

How do I know if my card is eligible?

Visit amwal.tech/en/how-it-works and enter the first 6-8 digits of your card. It will show if it’s eligible.

What if I want early payment?

Welcome! You can pay off the remaining amount in full or part at any time. Contact your bank’s app (Al Rajhi or SNB) to request early payment.

Is approval guaranteed 100%?

No. Approval depends on:

• Sufficient card limit availability
• Card validity
• Bank’s internal policy

In 95%+ of cases, approval is instant.

What’s the difference between Amwal installment and traditional Al Rajhi car financing?

Amwal installment: On your credit card, lowest profit margin, 12-second approval, card limit, 24 months max.

Al Rajhi car financing: Separate loan, 3-5% annual profit, 3-5 days approval, up to SAR 800,000, 60 months max.

Choose based on your situation.

Does the 7-day return policy apply?

The 7-day return policy primarily applies to cash payments. For bank installment, contact Carly directly to learn the procedures, as it requires bank coordination.

Information updated through May 2026. The service is live on HalaCarly.com through Carly’s partnership with Amwal, licensed by SAMA under PSP013.

Carly and Amwal: 5 steps, 12 seconds, lowest profit margin, your car at home.

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