Loan Conditions / You must be employed for no less than 3 consecutive months. You must not have any financial obligations or service suspensions. You must not have any defaults with SIMAH. Your name must be clear with SIMAH. Loan Feature (Without employer approval and without a guarantor) Required for the loan: Social Insurance wages certificate and SIMAH report (for 28 SAR). For credibility, office fees are paid after the loan is disbursed. Contact via WhatsApp only. Loan disbursement period: 3 days maximum.