Can I get Final Exit if I have unpaid loan/credit card debt?

I have received this question several times from different readers of my blog. Almost every day somebody asks me, “Can I get final exit if I have unpaid loan/credit card debt?” Well, the answer to this question is unfortunately not simple Yes or No. The answer depends on several factors and I have tried to explain every factor in detail below. Before going into details, I want to make a point here that one should not spend more than his needs and more than his resources. I am a regular credit card user but I use it only when I have the equivalent money to buy that item on cash. In this way, I don’t spend more than my financial capacity.[irp]

Yes, your sponsor can issue final exit visa even if you have credit card debt or unpaid loan in your name. Unpaid loan or credit card debts are not connected with MOI online system. So, there is no problem in getting final exit visa by the employer.

However, sometimes employer gives warranty of the personal loan to the bank. In that case, it is the duty of the employer to report to the bank about your plans to get a final exit. Bank may contact you in that case and ask for the unpaid money. If it happens, you will have to pay them back the unpaid amount. If you don’t pay them back, they can report against you in Police and in that case, you will be in trouble.

In the case of credit card, employers don’t give any sort of warranty so you don’t need to worry about this thing. However, if the bank from which have taken a personal loan and credit card provider are same, they may ask you to pay off the credit card debt as well. Otherwise, a police complaint may be registered by the bank to you.

In case the police complaint is not registered in the above-mentioned cases, you don’t have to worry about anything. No one is going to stop you from leaving Saudi Arabia. The immigration officer has nothing to do with the unpaid amount of loan or credit card debt. But keep in mind, if you are unable to make timely payment of credit card bills, you will be banned from getting a credit card from all over the world.

If a bank has reported against you in the police, you cannot leave Saudi Arabia without settling down the unpaid amount of loan or credit card. As soon as the police complaint is registered, it is updated in the MOI system. When you will try to cross the immigration counter, it will also appear in the system and he will not let you cross the border.[irp]

I always recommend my readers to pay off the money of credit card debt as well as a personal loan to the bank before leaving Saudi Arabia. Even if you are successful in leaving the country on final exit without paying off the unpaid amount of loan or credit card debt, you will have to face a lot of problems at the time of coming back to Saudi Arabia on a new visa. I have covered this topic in this article – Can I come back to Saudi Arabia on a new visa if I have unpaid loan/credit card debt?

  • srini312

    Do not worry brother and surely you can go for final exit. But make sure that you are paying your monthly installments regularly. If you denied for more than 3 months then they will call you or track you.

  • Gerald M Pimentel

    Hello everyone,

    I just disconnect my STC dsl account but still i am bending 400 to pay. if i go final exit and have bending payment will it affect my final exit? i saw on my MOI account and it’s all clear i mean stc is not linked in the MOI system.

  • Ari’s samson

    I BORROW A MONEY 15,000 SR TO THE LEADING COMPANY BUT UNFORTUNATELY THE MONTHLY PAYMENT IS DELAY THE LEADING COMPANY SEND ME TO THE COURT AND ORDER ME TO PAY 47,000 SR WHICH I ONLY LEND IS 15,000 SR AND I ALREADY PAY 8,000.THEN TO FINISH THIS CASE I MADE ARRANGEMENT TO THE LENDING COMPANY THAT I WILL PAY ALL BUT NEED TO REMOVE MY NAME IN THE COURT. SO I PAY ALREADY ANOTHER 22,000 SR HE ALREADY REMOVE MY NAME TO THE COURT AND I PROMISE THAT I WILL PAY THE REMAINING INTEREST WHICH COST 18,950 BUT UNTIL NOW ASKING MONEY TO FRIEND OR LENDING COMPANY TO PAY HIM . YESTERDAY MY COMPANY TOLD ME THAT THE LENDING COMPANY WILL CANCEL MY IQAMA BECAUSE UNTIL NOW STILL NOT SETTLE THE BALANCE. IT IS POSSIBLE THAT LENDING COMPANY CAN CANCEL MY IQAMA In JAWASAT AS THEY SAID THAT THE LEADING COMPANY OWNER IS WORKING IN MOI.

  • Please come up with the names of the companies. How can somebody charge 32,000 interest on 15,000 principal? I am afraid, you are being defrauded.

  • Ari’s samson

    they said as per my contract my monthly payment for 12 months is 2,325 and if you delay for paymeny your payment will be 3,125 in 12 months total of 37,500 and they include the10,000 sr for attorney or legal advocate fee.

  • You did not read all this before signing the contract?

  • Medelson

    I have a credit in sabb bank of 23,000 SAR. And I stopped paying it for 7 months. And now I would like to continue paying it in monthly basis and willing to continue my monthly payment. But they send me a message that they reportd me at SIMAH. What does this mean? Can i still transact in a bank, can i still deposit and withdraw in the bank?

    Plese reply for advise