Yes, Flooss is the first Islamic financing provider in Bahrain that offers instant approval and disbursement. Our platform is built by an experienced fintech team with a proven track record, providing innovative financial support to those who need it most.
Yes, both expats and Bahrainis are eligible to apply for financing.
The financing amount depends on your credit eligibility. Generally, we offer cash financing between BHD 100 – 1,500. Apply to check your eligibility!
You can choose a financing tenure ranging from 2 to 18 months.
No, there are no application fees.
Yes! You can apply 24/7 as our services are always available.
Yes, we check your credit history to assess eligibility. Timely repayments improve your chances of approval.
We assign you a credit score based on multiple factors. A strong score enhances financing approval chances.
The Murabaha margin varies between 16% – 18% per annum based on your credit profile.
You can use the money for any financial need. Borrow and spend responsibly.
Currently, you can only have one active cash financing at a time. However, you can have both cash financing & BNPL financing simultaneously.
Yes, you can make early repayments anytime.
The BNPL service revolutionizes the way customers make purchases. With BNPL, customers have the option to split a single payment into 4 equal installments, spread equally over 3 months, providing them with flexibility and convenience during the checkout process with participating merchants. No interest or fees will be levied on customers for utilising the service.
To be able to shop at merchants, you need to accept your BNPL credit limit offer first.
The approved limit is not real money and does not get transferred to your bank account. The approved limit is only an indicator of your purchase limit.
Once you have approved the offer, you have up to 3 days to make a purchase with one of our partner merchants.
You can shop at any of our partner merchants, which can be found in the merchant list on our app.
Currently, once you have accepted an offer, you can shop only at one of our partner merchants. Once you have made a purchase and repaid all the installments, you can apply again and receive your new limit.
You need to provide: A bank statement showing the latest 3-month salary/income statement, which must be a maximum of 10 days old before applying.
You will receive a response from Flooss within 1 working day (24 Hours).
If accepted, you will receive an offer with a validity of 72 hours. The offer will indicate your maximum purchase limit. To begin shopping with our partner merchants, you will need to accept the offer.
No, the approved amount is a virtual limit indicating your maximum purchase limit and cannot be used as a payment method.
You will have 72 hours to make a single purchase at one of our approved merchants.
Currently, you are limited to making one purchase with a partner merchant, regardless of whether you have used your full limit. Once you have repaid all installments, you may apply again.
The minimum purchase amount is 50 BHD, and the maximum purchase amount is your approved limit.
Shop at any one of our partner merchants and ask to pay using FLOOSS. Scan the QR or enter the manual code generated by the merchant to view the repayment plan. Accept the repayment plan and pay the first installment on the FLOOSS app to activate financing.
Shop at any one of our partner merchants and ask to pay using FLOOSS. Scan the QR or enter the manual code generated by the merchant to view the repayment plan. Accept the repayment plan and pay the first installment on the FLOOSS app to activate financing.
Flexible repayment periods from 2 to 18 months
Only if the device price is more than your eligible financing amount
Yes, you can select your preferred due date during the application
The offer will expire in 3 days and your financing request will be cancelled
Flooss is the first Islamic financing provider in Bahrain, offering instant approval and immediate disbursement of funds directly to your bank account. The process is entirely digital, with no paperwork, no hidden costs, and complete transparency.
You must be at least 21 years old to register for the Flooss App.
You can download the Flooss app from the App Store (for iOS) and Google Play Store (for Android).
– Download the Flooss app.
– Enter your contact information.
– Complete the KYC (Know Your Customer) process.
– Start enjoying Flooss services!
KYC (Know Your Customer) is a legal requirement by the Central Bank of Bahrain for financial institutions to verify a customer’s identity and assess potential risks. It ensures a secure and compliant financial environment.
Fully verified users can:
– Apply for Islamic financing
– Use the “Buy Now, Pay Later” service
– Purchase vouchers and gift cards
– Make bill payments
Users who haven’t completed KYC can still:
– Make bill payments
– Top up mobile lines
Yes, you can complete the KYC verification process at any time. However, you will only be able to apply for financing once the process is completed.
Yes, you can change your email:
1. Open the Flooss app and go to the dashboard.
2. Click on Settings > Profile > Personal Information.
3. Select Edit Email ID, enter your new email, and click Save.
4. You’ll receive an OTP on your new email. Enter the OTP to confirm the change.
Yes, you can update your phone number:
1. Open the Flooss app and go to the dashboard.
2. Click on Settings > Profile > Personal Information.
3. Select Edit Phone Number, enter your new number, and click Save.
4. You’ll receive an OTP on your new number. Enter the OTP to confirm the change.
Yes, you can easily change your profile PIN directly from the Flooss App.
Yes, you can log in to your Flooss account on different devices. However, you will need to verify your account during the first login on a new device.
Yes, you can view and manage the list of trusted devices linked to your Flooss account. You can choose to keep or remove any device.
You can reach Flooss support by:
– Calling 13310055
– Contacting us on WhatsApp at 17799980
Flooss Islamic Financing is a service dedicated to providing Sharia-compliant financing solutions to customers in Bahrain. This means all financial transactions adhere to Islamic principles, ensuring ethical and religious compliance.
Yes, Flooss is Sharia-certified. Our Sharia Certificate Reference is FLS-3782-01-01-02-24.
Islamic financing prohibits the payment or receipt of interest (Riba), unlike conventional loans. Instead, it uses Murabaha, which involves buying and selling goods (e.g., metals) to comply with Islamic principles.
Flooss financing operates on the principles of Tawarruq. This involves the institution purchasing an asset (e.g., platinum) on behalf of the customer and then selling it to them in a Sharia-compliant manner.
The metal used in the Sharia-compliant financing process is platinum.
Flooss has a dedicated Sharia Board that oversees all operations to ensure compliance with Islamic law. The board consists of Islamic scholars who review and approve all financial products and transactions.
Flooss’s Sharia Board consists of Sheikh Muhammad Ahmed, a Sharia consultant with extensive experience in Islamic finance.
Flooss’s Sharia scholar is Sheikh Muhammad Ahmed, a Sharia advisor with over 9 years of experience. He specializes in integrating Sharia principles into financial systems and holds master’s degrees from Ahsan Al Uloom University and Dar Al Uloom University in Karachi.
Yes, Flooss is licensed by the Central Bank of Bahrain (CBB) under registration number 1-156825.
Yes, the profit rate ranges between 16% and 18%.
Yes, all Flooss products are Sharia-compliant. Our Sharia Certificate Reference is FLS-3782-01-01-02-24.
No, you must fully settle your existing finance before applying for a new one.
The Murabaha margin ranges between 16% and 18%, depending on various factors.
Flooss calculates your maximum financing eligibility based on several factors. Additionally, as per the Central Bank of Bahrain’s regulations, your monthly debt payments cannot exceed 50% of your monthly income (Debt Service Ratio).
No, once the VAT is paid and the financing amount is disbursed, the financing cannot be canceled.
Your financing offer is valid for 3 days (72 hours).
A counteroffer is an alternative financing offer provided based on your liabilities and eligibility.
No, once the VAT is paid, it cannot be refunded.
Flooss provides instant disbursement through IBAN or STC Pay.
