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100% Interest-Free Financial Solutions
for your needs

At Ethica Finance, we offer a range of Shariah-compliant, riba-free financial products designed to support individuals, civil servants, and small businesses.

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Ethica Asset Finance (Solar)

A Murabaha-based asset financing solution that enables individuals and small businesses to acquire solar power systems. Ethica procures the solar asset and resells it at a mutually agreed profit margin, repayable in fixed, interest-free installments over an agreed period.

  • Expert guidance
  • Personalized service
  • Dedicated support

Ethica Buy Now / Pay Later

A cost-plus (Murabaha) installment scheme that allows customers to acquire essential consumer goods or services and pay over time without incurring interest. Ethica buys the item and sells it to the customer with a known markup.

  • Expert guidance
  • Personalized service
  • Dedicated support

Ethica Civil Service Loans

A Qard Hassan (benevolent loan) facility for eligible civil servants, designed to provide liquidity for emergencies or short-term needs. Loans are disbursed without profit, and repayments are scheduled over salary deductions without any penalty or interest.

  • Expert guidance
  • Personalized service
  • Dedicated support

Ethica LPO Financing

A working capital financing product based on the Istisna or Murabaha model. Ethica pre-finances supplies or services required to fulfill a Local Purchase Order (LPO) and receives repayment at an agreed markup, structured to reflect value-added trade—not interest.

  • Expert guidance
  • Personalized service
  • Dedicated support

Ethica Micro Loans

Short-term Qard Hassan (benevolent) loans for individuals and microenterprises in need of quick, ethical financial support. Offered without interest or profit, and designed for short-duration, small-value needs.

  • Expert guidance
  • Personalized service
  • Dedicated support

Ethica Pay Day Loan

An interest-free salary advance structured under Qard Hassan, providing fast financial relief until your next paycheck. Ideal for urgent needs with simple documentation and no hidden charges.

  • Expert guidance
  • Personalized service
  • Dedicated support

Ethica Revolving Account Loans

A loan facility structured using Wakala, where customers can access funds based on their savings history or transaction behavior. Designed for repeat borrowers who need flexible, ethical financing on demand.

  • Expert guidance
  • Personalized service
  • Dedicated support

Ethica Short-Term Travel Loan

Provides urgent travel support through either a Murabaha (markup-based) or Qard Hassan (benevolent) structure. Suitable for personal, family, or emergency travel without accruing any interest.

  • Expert guidance
  • Personalized service
  • Dedicated support

Ethica SME Loans

Shariah-compliant business financing tailored for Small and Medium Enterprises. Structured under Murabaha or Ijara, this product supports equipment purchases, expansion, or working capital needs.

  • Expert guidance
  • Personalized service
  • Dedicated support
How it works

Easy process to 100% Interest-Free Financing

We’ve made accessing ethical financial support quick, clear, and stress-free—from application to repayment.

Choose a Product

Select the interest-free loan or service that fits your need.

STEP 1

Apply

Submit your application through our website or visit our office.

STEP 2

Get Approved Fast

We review your documents and approve most loans within 48–72 hours.

STEP 3

Get Started Today

Easy steps to apply for our services.

Let's get in touch

Give us a call or fill in the form below and we will contact you. We endeavor to answer all inquiries within 24 hours on business days.

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