Carly ne Amwal Tech ke sath ek naye partnership ka announcement kiya hai. Amwal Tech ek SAMA-licensed Payment Service Provider hai (License PSP013), jo car purchases par direct credit card installments ko enable karta hai. Yeh partnership kisi bhi aise customer ko, jiske paas Al Rajhi Bank (TASAHEEL program) ya Saudi National Bank SNB (EPP program) ka credit card hai, apni car payment ko 3 se 24 mahine ke beech split (baantne) ki sahulat deti hai. Yeh poora process lowest profit margin, 0 fees, aur 100% Sharia compliance ke sath aata hai. Iska approval instantly sirf 12 seconds mein mil jata hai, aur sabse acchi baat yeh hai ki customers apne saare credit card reward points, cashback, aur air miles ko apne paas barkarar (keep) rakhte hain. Yeh service ab HalaCarly.com par live hai.

What’s Inside This Guide (Is Guide Mein Kya Hai)

• Partnership summary sirf 30 seconds mein
• Amwal Tech kaun hai?
• Yeh partnership aapke liye kyun mahatvapurna hai?
• Carly par Amwal ke zariye bank installment kaise kaam karta hai?
• Yeh partnership baaki financing options se kaise alag hai?
• Available banks aur unke installment programs
• Kya yeh installment Sharia-compliant hai?
• Aapko Amwal ke zariye bank installment kab chunna chahiye?
• Frequently Asked Questions (FAQ)

1. Partnership Summary in 30 Seconds

2. Who Is Amwal Tech?

Amwal Tech ek Saudi company hai jiski sthapna (foundation) 2022 mein hui thi, aur iska headquarter Jeddah ke Al Khalidia district mein hai. Yeh company Kingdom ke andar credit card bank installment services ki leading aggregator ban chuki hai.

Key Statistics (Khaas Aankde)

• License: Saudi Central Bank (SAMA) dwara Payment Service Provider ke roop mein licensed, license number PSP013.
• Active Users: 1,000,000 se zyadah active customers.
• Merchant Partners: 500 se zyadah bade brands aur merchants.
• Funding: Alag-alag funding rounds ke zariye lagbhag $6.57 million raised kiye hain.
• Investors: Wa’ed Ventures (Aramco), Shorooq Partners, TA Ventures, aur Outliers VC.
• Awards: Inhone VISA Everywhere Innovation Regional Award bhi jeeta hai.

Top Amwal Merchant Partners

SACO, Abyat, IKEA, Almatar, Baytonia, Fitaihi, aur ab haal hi mein Carly bhi is bade network mein shamil ho gaya hai.

3. Why Does This Partnership Matter to You?

Benefit 1: 0% Interest on Installments

Traditional ya aam bank financing mein aapko 3% se 7% tak ka annual interest (byaaj) dena padta hai. Carly + Amwal ki yeh partnership is cost ko poori tarah khatam kar deti hai. Aap car ki wahi advertised price pay karte hain, jise aap apne chune hue mahino mein split kar sakte hain.

Practical Example: Agar ek car ki keemat SAR 80,000 hai aur aap use 24 mahine ke liye lete hain:

• Traditional Bank Financing ke sath: Lagbhag SAR 3,650/month (jisme karib SAR 7,600 ka extra interest jud jata hai).
• Carly + Amwal ke sath: Pure SAR 3,333/month lowest profit margin ke sath (bina kisi extra interest ke).

Benefit 2: Keep Your Credit Card Points

Jab aap aam taur par koi loan lete hain toh aapko koi rewards nahi milte. Par Carly par Amwal ke zariye credit card se car kharidne par aapko poore amount par aapke card ke reward points, cashback, ya air miles milte hain.

• Example: Agar aap SAR 100,000 ki gaadi 1% cashback wale card se kharete hain, toh SAR 1,000 ka cashback seedhe aapko wapas mil jata hai.

Benefit 3: Instant Approval Without Paperwork

Aapko bank ke chakkar kaatne, salary certificates upload karne, ya GOSI documents submit karne ki koi janjhat nahi hai. Kyunki aapka credit card pehle se active hai, isiliye approval instantly sirf 12 seconds mein mil jata hai.

Benefit 4: Hybrid Payment Option (Mila-Jula Payment)

Yeh ek unique feature hai: Aap car ki price ka ek hissa apne credit card se pay kar sakte hain (lowest profit margin par installment ka faida lene ke liye) + baaki bacha hua amount doosre tarikon se de sakte hain, jaise:

• Card + Cash
• Card + Bank Financing
• Card + Tamara (BNPL)
• Card + Cash + Financing (Teeno methods ek sath)

Aap Carly ki sales team se contact karke apne amount ko alag-alag payment methods mein split karwa sakte hain.

Benefit 5: 100% Sharia-Compliant

Sari installment schemes (TASAHEEL aur EPP) banks ke official Sharia boards dwara approved hain. Isme Al Rajhi Bank mein Tawarruq mechanism aur SNB mein Murabaha mechanism ka use kiya jata hai.

4. How Does Bank Installment via Amwal Work on Carly?

Car kharidne ka process bohot simple hai, sirf in 5 steps mein:

• Step 1: Pick Your Car on Carly: Sabse pehle Buy a Car page par jayein, hamari 150-point inspected cars ko browse karein, aur apni pasand ki car chunein.
• Step 2: Checkout par “Bank Installment via Amwal” select karein: Payment page par aapko baki options ke sath “Credit Card – Bank Installment via Amwal” ka option milega.
• Step 3: Apna Bank aur Installment Term chunein: Yahan select karein:
  • Bank: Al Rajhi (TASAHEEL) ya SNB (EPP).
  • Installment term: 3, 6, 12, 18, ya 24 months. Aapko apna monthly installment confirm karne se pehle screen par dikh jayega.
• Step 4: Apne Credit Card se pay karein (12 seconds): Apne card ki details enter karein. Bank aapke card ki limit se full amount reserve kar lega aur use automatically monthly installments mein convert kar dega. Approval instantly ho jata hai.
• Step 5: 24-72 Hours mein apni Car receive karein: Carly team aapke naam par Absher Platform ke zariye ownership transfer handle karegi aur gaadi seedhe aapke ghar tak deliver kar degi, Saudi Arab ke kisi bhi shaher mein.

5. What Sets This Partnership Apart from Other Financing Options?

6. Available Banks and Installment Programs

Al Rajhi Bank – TASAHEEL Program

• Mechanism: Sharia-compliant Tawarruq pratha par aadharit.
• Approval: Credit card holders ke liye instantly.
• Track Kaise Karein: Al Rajhi app open karein → Financing → TASAHEEL mein check karein.
• Term: 3 se 24 mahine.

Saudi National Bank (SNB) – EPP Program

• Mechanism: Sharia-compliant Murabaha standard.
• EPP Matlab: Equal Payment Plan (Barabar ki kishtein).
• Track Kaise Karein: SNB AlAhli app kholein → Credit Cards → EPP par check karein.
• Term: 3 se 24 mahine.

Note: Alinma Bank ki installment services jald hi is partnership mein add hone wali hain. Saath hi, Riyad Bank ki partnership pehle se hi Amwal system ke andar active hai.

7. Is the Installment Sharia-Compliant?

Haan, yeh 100% Sharia-compliant hai. Yeh partnership banks ke approved boards ke do main Islamic finance mechanisms par kaam karti hai:

1. Tawarruq Mechanism (Al Rajhi Bank mein): Bank pehle ek commodity (jaise koi metal/copper) khareedta hai, use customer ko deferred payment (installments) par bechta hai, aur customer phir use kisi third party ko bech kar liquidity (paisa) haasil karta hai. Yeh process Al Rajhi Bank ke Sharia Board se certified hai.
2. Murabaha Mechanism (SNB mein): Bank asli commodity (is case mein car) ko khareedta hai aur use customer ko ek pre-agreed profit margin ke sath bechta hai jise installments mein pay kiya jata hai. Yeh SNB ke Sharia Board se approved hai.

Agar customer se koi interest nahi liya jata, toh iska kharcha kaun uthata hai?

Merchant (is case mein Carly) Amwal aur bank ko ek choti si service fee pay karta hai. Yeh fees pehle se tai hoti hain aur inka Riba (sood/interest) se koi lena-dena nahi hota. Yeh business badhane aur customers ko convenience dene ka ek normal commercial cost hai.

8. When Should You Choose Bank Installments via Amwal?

✅ Aapko yeh method tab chunna chahiye agar:

• Aapke paas Al Rajhi ya SNB ka active credit card hai.
• Aapke card ki available limit car ki price ko cover karti hai.
• Aap apne card ke points, cashback, ya air miles ka poora faida uthana chahte hain.
• Aap bina kisi paperwork ya lambe waiting time ke instant approval chahte hain.
• Aap 100% Sharia-compliant option dhoondh rahe hain.
• Aap short-to-medium term (24 mahine tak) mein repayment poora karna chahte hain.
• Aap apna salary account doosre bank mein transfer nahi karna chahte.

❌ Is method se bachein agar:

• Aapke paas Al Rajhi ya SNB ka credit card nahi hai.
• Aapke card ki limit car price se kam hai (Aise mein aap Hybrid Payment use kar sakte hain).
• Aapko bohot lamba repayment time chahiye (jaise 60 mahine ka traditional auto loan).
• Gaadi bohot luxury hai (>SAR 500,000) aur aap bada extended financing plan chahte hain.

9. Frequently Asked Questions (FAQ)

Carly aur Amwal ki partnership kya hai?

Ans: Yeh Carly (HalaCarly.com) car platform aur Amwal Tech (SAMA-licensed PSP013) ke beech ek sajedari hai, jo customers ko unke credit card par lowest profit margin aur 100% Sharia compliance ke sath up to 24 months tak car payment split karne ki permission deti hai.

Main Carly par apne credit card se car payment ki installment kaise karoon?

Ans: 5 simple steps mein: HalaCarly.com par car chunein, checkout par “Bank Installment via Amwal” select karein, apna bank (Al Rajhi ya SNB) chunein, installment ka samay (3-24 months) select karein, aur pay karein. Approval 12 seconds mein instantly ho jata hai.

Is partnership mein kaun-kaun se banks available hain?

Ans: Currently Al Rajhi Bank (TASAHEEL program) aur Saudi National Bank SNB (EPP program) live hain. Alinma Bank jald hi add hoga, aur Riyad Bank pehle se hi system ke andar functional hai.

Kya credit card installment Sharia-compliant hai?

Ans: Haan, 100%. Yeh system Tawarruq (Al Rajhi) aur Murabaha (SNB) par aadharit hai, jo Saudi Central Bank aur banks ke Sharia boards se approved hain.

Kis-kis mahine ke installment terms available hain?

Ans: Aap 3, 6, 12, 18, ya 24 mahine ka period chun sakte hain jo aapke budget mein fit baitha ho.

Kya installments par koi extra interest charges hote hain?

Ans: Nahi, lowest profit margin ke sath zero interest lagta hai. Aap car ki advertised price ko hi split karte hain, kyunki service fees ka kharcha Carly khud uthata hai.

Main maximum kitne amount ki installment kar sakta hoon?

Ans: Yeh poori tarah aapke credit card ki limit par depend karta hai. Agar aapke card ki limit SAR 100,000 hai toh aap utne tak ki installment kar sakte hain. Agar car mehengi hai, toh aap Hybrid Payment (kuch card se + kuch cash se) select kar sakte hain.

Kya mujhe salary transfer ya GOSI certificate ki zaroorat padegi?

Ans: Bilkul nahi. Sirf ek active credit card kaafi hai. Koi extra documents upload karne ki koi zaroorat nahi hai.

Mujhe mere credit card ke reward points milenge?

Ans: Haan, aapko poore amount par aapke saare points, cashback, ya miles milenge, jo traditional finance mein nahi milte.

Approval milne mein kitna time lagta hai?

Ans: Sirf 12 seconds. Amwal apne tez aur secure checkout system ke liye jana jata hai.

Kya main kuch payment card se aur kuch doosre tareeqe se kar sakta hoon?

Ans: Haan, Carly Hybrid Payment support karta hai. Aap card + cash + bank loan ko mila kar pay kar sakte hain. Iske liye sales team se contact karein.

Purchase ke baad main apni installments kaise track karoon?

Ans: Al Rajhi users apne app mein Financing → TASAHEEL par dekh sakte hain, aur SNB users Credit Cards → EPPsection mein dekh sakte hain.

Kya bank installment ke sath 7-day return policy apply hoti hai?

Ans: Return policy aam taur par cash payments par lagti hai. Bank installment ke mamle mein return procedure thoda alag hota hai kyunki isme bank ke sath installment cancel karne ka coordination lagta hai, iske liye Carly team se consult karein.

Isme koi hidden fees (chhupi hui fees) hain?

Ans: Nahi, 0 SAR fees hai. Car ki advertised price mein pehle se hi 15% VAT (ZATCA), ownership transfer aur baki services included hoti hain.

Isse Carly ko commercially kya faida hota hai?

Ans: Carly is feature ke liye Amwal aur bank ko ek choti service fee deta hai. Iska commercial benefit yeh hai ki customers ka shopping trust badhta hai, jisse average basket size 45% aur visitor-to-buyer conversion rate 18% tak badh jata hai.

Information updated through May 2026. Yeh partnership HalaCarly.com par live hai.

Carly and Amwal: Pay with your card, keep your points, get your car.

Click. Buy. Drive.

👉 Carly par apna bank installment shuru karein →