Private-Seller Auto Financing

Finance Any Used Car.

Inspected. Valued. Funded.

The first secure infrastructure for financing private vehicle sales in Saudi Arabia. Independent inspections, fair valuations, and trusted lending partners — all in one platform.

Licensed in Saudi Arabia
SAMA Supervised
Independent Inspections
Fair Market Valuations
How It Works

How Wisal Works

From search to keys in three simple steps.

01

Download the App

Install the Wisal app from the App Store or Google Play. Quick setup, ready in minutes.

02

Insert the Details of the Car

Enter vehicle details and submit. Our team arranges a mobile inspection to verify condition.

03

Receive Financing Offer

Once inspection is complete, receive a competitive financing offer from our lending partners — without visiting the bank.

One Platform, Three Audiences

Built for Every Side of the Deal

Buyers

Finance any used car from a private seller. Independent inspections and fair valuations give you confidence.

Learn More →

Sellers

A buyer wants your car. We just need you to schedule an inspection, confirm your details, and approve the sale.

Learn More →

Lending Partners

Receive pre-inspected, independently valued financing opportunities. Grow your portfolio with lower risk.

Learn More →
Why Wisal

Built for Clarity, Backed by Trust

Total Control

Buyer and seller approvals are built into the process. Nothing changes hands without consent of all parties.

Inspection First

Every vehicle undergoes a comprehensive, independent inspection — giving buyers and lenders confidence.

Complete Paperwork

We organize all required documents into one clear, financing-ready package.

Security of Data

Your personal data and privacy are protected by enterprise-grade security at every step.

Ready to Get Started?

Whether you're buying, selling, or financing — Wisal makes used car transactions transparent and secure.

For Buyers

Finance Any Used Car.

From Any Private Seller.

Submit the car you want, we inspect it, value it, and connect you with a financing partner. No bank visits. No guesswork.

Step 01

Start Your Request

Tell us about the car you want. Enter basic details — make, model, year, seller info. Under 5 minutes.

Step 02

Verify the Condition

Our certified independent inspector visits the car and conducts a comprehensive assessment — engine, body, history, and more.

94
Inspection Score
Step 03

Select Your Terms

Once the inspection clears, choose your preferred financing terms — rate, tenure, and monthly payment. Transparent options, no hidden fees.

Step 04

Submit for Approval

We package your application, inspection report, valuation, and selected terms, then send it to our lending partners for approval.

Step 05

Finalize & Drive

Once approved, complete the paperwork and the funds transfer securely. The car is yours.

What You'll Need

Valid Saudi ID or Iqama
Proof of Income
Vehicle details from seller
Bank account information
FAQ

Frequently Asked Questions

What cars can I finance through Wisal?+

Any used car from any private seller in Saudi Arabia. We handle inspection and valuation regardless of make, model, or year.

How long does the process take?+

From submission to financing offer typically 2-3 business days. Inspection and valuation are the main steps.

Do I need to visit a bank?+

No. The entire process is digital. Lending partners review your application and inspection report through our platform.

What does the inspection cover?+

Over 200 points including engine, transmission, body condition, accident history, and more. You receive the full report.

Is there a fee for buyers?+

No upfront fee. Wisal earns a commission only when a deal is successfully completed.

What if the car fails inspection?+

You receive the full report and can make an informed decision. You're never obligated to proceed.

Ready to Finance Your Car?

Start your application today and get a financing offer within days — not weeks.

For Sellers

A Buyer Already Wants Your Car.

Here's What Happens Next.

A buyer has requested financing through Wisal to purchase your vehicle. All we need from you is a quick inspection, confirmation of your details, and your approval to complete the sale.

What Wisal Means for You

You Stay in Control. We Handle the Rest.

You're not listing your car or waiting for buyers. A real buyer with financing is already at the table. Here's what you get.

A Serious, Funded Buyer

The buyer approaching you already has financing in progress. No time-wasters, no empty promises.

Fair Independent Valuation

Our valuation is based on real market data — protecting you from being negotiated below fair value.

Secure Payment

Funds are transferred directly from the lending partner. No cash handling, no bounced cheques, no risk.

Full Transparency

You see the same inspection report and valuation as the buyer. No surprises, no hidden terms.

How It Works

Three Simple Steps on Your Side

The buyer started the process. Here's what we need from you.

Schedule the Inspection

Choose a date and time that works for you. Our certified inspector will come to the car — you don't need to go anywhere.

Confirm Your Details

Verify your ownership, ID, and bank account information so everything is ready for a smooth transfer at the time of sale.

Accept the Sale

Once the buyer is approved and funded, review the final terms and confirm. Funds transfer securely to your account.

Been Contacted by a Wisal Buyer?

If a buyer has told you they're financing through Wisal, here's everything you need to know. Have questions? Reach out to our team.

For Lending Partners

Grow Your Auto Finance Portfolio.

We Handle the Risk.

Wisal delivers inspected, independently valued used car financing opportunities directly to your pipeline. Lower risk. Higher volume. Zero sourcing overhead.

Partner Deal Pipeline
3 deals ready for review
Toyota Camry 2021
Score: 94/100
Ready
Hyundai Tucson 2022
Score: 91/100
Review
Nissan Patrol 2020
Score: 97/100
Ready
The Challenge

Used Car Financing Has a Trust Problem

For auto finance divisions, used car lending is high-effort and high-risk. Most lenders avoid the segment or accept poor unit economics.

Unreliable Valuations

Seller-set prices rarely reflect market value. Risk of financing overvalued collateral.

Unknown Vehicle Condition

Without independent inspections, you can't assess the real condition of the collateral.

Slow, Manual Origination

Sourcing deals and verifying documents manually drives up cost-per-origination.

Why Partner With Wisal

Everything You Need to Say Yes, Faster

We do the heavy lifting upfront — inspection, valuation, documentation — so your team focuses on credit decisions.

Pre-Inspected Vehicles

Every vehicle has been physically assessed by a certified, independent inspector. Full condition reports included.

Independent Market Valuations

Real-time market data — not seller asking prices. Reducing LTV risk from day one.

Ready-to-Process Applications

Buyer docs, vehicle details, inspection reports, valuations — packaged and ready for your team.

New Acquisition Channel

Growing pool of qualified buyers. Expand your auto portfolio without expanding your sales team.

Zero Upfront Cost. Fully Aligned Incentives.

Wisal earns a commission only when a deal is successfully financed. No subscription fees. No setup costs. We succeed when you succeed.

How It Works

Simple Integration. Immediate Value.

No complex technical setup. We plug into your existing workflow and start delivering qualified deals.

Onboard

We align on lending criteria, risk parameters, and documentation. Days, not months.

Receive Deals

Qualified buyers apply through Wisal. We attach inspection reports and valuations.

Approve & Fund

Review the complete package, make your credit decision, and fund.

Scale Together

As the platform grows, your deal flow grows. Track via partner dashboard.

The Saudi Used Car Financing Opportunity

800K+
Used cars sold annually in KSA
<10%
Currently financed — massive white space
SAR 45B+
Estimated untapped financing market
FAQ

Frequently Asked Questions

What does it cost to become a Wisal partner?+

Nothing upfront. Commission model only — we earn when a deal is financed. No fees, no minimums.

How are vehicles inspected and valued?+

Physically inspected by certified independent inspectors. Valuations use real-time market data.

What documentation do we receive per deal?+

Buyer application, vehicle registration/history, full inspection report with photos, and market valuation.

How long does integration take?+

Most partners onboard in one to two weeks. No complex technical integration needed.

Can we set our own lending criteria?+

Absolutely. You define risk parameters, vehicle limits, maximum amounts. We only route matching deals.

Ready to Grow Your Auto Finance Portfolio?

Join Wisal as a lending partner and access pre-vetted, inspected used car financing opportunities.

Or email us directly at [email protected]