Pre-approval is an instant eligibility check that gives you a rough estimate of your loan using a smart algorithm built based on market information.

No. Pre-approval is an initial estimate. Final approval depends on bank or finance institute verification and document review.

Eligibility is calculated using a smart algorithm based on your entered inputs and data from multiple financing institutions.

It only takes a few seconds. You can submit your loan request in just a few simple steps.

In most cases, Motorgy handles the financing process on your behalf. However, the buyer may be required to visit the bank or finance institute once to sign final agreements.

Motorgy’s finance experts take care of all bank approvals and required paperwork for you.

Yes. We review multiple financing institutes and options, and recommend the best one for you.

Approval time varies by bank or finance institute, but we work to complete the process as quickly as possible.

Once your loan is approved, you can immediately proceed to complete your car purchase.

Yes. All your information is handled securely and shared only with authorized financing partners.

Eligibility depends on several factors, including salary, employment status, down payment, and bank criteria.

Yes. Minimum salary requirements vary by bank or finance institute. Our system checks multiple institutions to find suitable options.

Yes. Some banks and finance institutes accept lower or variable salaries. The minimum salary to apply starts from 250 KD, subject to employer category, job stability, down payment, and bank or finance institute policies. Our finance experts will guide you to the best available options based on your profile.

Yes, Most banks require a down payment. The amount depends on the car price and bank policies.

The minimum down payment varies by bank and car type. You’ll see an estimated amount during the eligibility check.

Yes, A higher down payment can improve eligibility and may help secure better financing terms.

Yes. Banks and finance institutes may review your financial obligations as part of the final approval process.

Yes. You can update your loan details before submitting the final loan request.

No, Pre-approval is an estimate. Final approval is subject to bank review and document verification.

Yes. Motorgy offers financing options for both new and used cars, subject to bank policies and car eligibility.

Typically required documents include a valid Civil ID, salary certificate or proof of income, bank statements, and any additional documents requested by the bank or finance institute.

Cars from 2014 and newer: Financing is typically available starting from 1,250 KD, up to the maximum amount allowed based on the applicant’s profile and lender criteria.

Classic cars (model years 1970–2009): Pre-approval is not always available. In general, the car price must be more than 3,000 KD, and eligibility depends on the specific car and lender assessment.

Cars from 2010 to 2014: Financing may be available if the car price is more than 3,000 KD, subject to bank or finance institute approval.

Cars from 2014 and newer: Financing is typically available starting from 1,250 KD, up to the maximum amount allowed based on the applicant’s profile and lender criteria.

No. All financing costs, including interest rates and bank fees, are shared transparently before you proceed.

Loan tenures vary by bank, typically ranging from 1 to 5 years. Available options will be shown during the process.

The minimum loan amount depends on the bank or finance institute and car type. Generally, financing starts from 1,250 KD, subject to lender policies and eligibility.

Early settlement policies depend on the bank. Some banks may apply early settlement fees.

Pre-approval through Motorgy does not affect your credit score or CINET record. Final approval by the bank or finance institute may involve a credit and CINET check as part of the standard verification process.

We review alternative options with other banks or finance institutes and guide you toward the best available solution.

Yes. In many cases, Motorgy can help finance a car found outside the platform, subject to the car meeting bank or finance institute requirements and successful approval.

Insurance requirements vary by bank or finance institute. In some cases, insurance may be included or required separately.

Yes. Our team keeps you updated throughout every stage of the financing process.

Motorgy’s finance team is always available to support you and answer any questions.