Waitlist Open for USA & KSA 2026

Get financing
without the
FICO score.

Connect your bank. Get your rate in 60 seconds. Repay a fixed agreed amount — no origination fees, no compounding, no hidden charges.

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My Financing
$10,000
11.2% fixed profit rate
You receive$10,000
Fixed total repayment$11,120
Origination fee$0
Compounding chargesNone
Hidden feesNone
Total agreed and locked on day one. Repaid monthly over 12 months matched to your salary dates.
60 sec
Rate decision
$0
Origination fee
Fixed
Total repayment
0
FICO required
Repayment Strength Score
BuildingStrongExcellent
60 sec
Rate decision
$0
Origination fees
Fixed
Rate type
No FICO
Score required
256-bit
Bank-grade encryption
Verified
Open banking
Zero
Data sold to third parties
US
Regulated framework
Compare

See how SARF stacks up

The biggest US banks do not offer personal loans at all. The ones that do charge origination fees on top of their rates — and still decline millions of qualified borrowers.

Lender
Rate (USD)
Origination fee
Available
SARFWaitlist open
8–16% fixed
$0 always
Join waitlist →
SoFi
8–26% APR
None
Needs credit history
Upstart
9–35% APR
Up to 12%
Partial access
LendingClub
9–36% APR
Up to 8%
Needs credit history
Chase Bank
No personal loans
—
Not available
Bank of America
No personal loans
—
Not available
Citibank
No personal loans
—
Not available
Wells Fargo
7–24% APR
None
Declined thin-file borrowers
Chase, Bank of America, and Citibank do not offer unsecured personal loans as of 2026. SARF rate is projected based on comparable payroll-linked lending benchmarks and subject to underwriting at launch.
Why SARF

A better way to borrow.

Whether you have an excellent credit score or none at all — SARF reads your actual income and financial behavior to give you the rate you deserve.

Instant Decision
Rate in 60 seconds
Connect your bank account. SARF reads your income, cash flow, and financial behavior. No documents, no branch visit, no waiting.
Always $0
Zero origination fees
You borrow $10,000 — you receive $10,000. Competitors deduct up to 12% before you see a dollar. With SARF, what you borrow is what lands in your account.
No Surprises
Fixed total — agreed day one
Your total repayment is locked before you sign. No compounding. No rate changes. No surprise charges. You always know exactly what you owe.
Launching Soon
Builds your SARF score
Every on-time repayment improves your SARF Repayment Strength Score — automatically unlocking better rates and higher amounts on your next agreement.

Financing that works
for everyone.

Better rates. No fees. No surprises.
Launching in KSA and the US in 2026.

contact@sarf.space  ·  sarfspace.com  ·  KSA & USA  ·  2026