Financing Options
Sharmax customers in Oman can enquire about financing and instalment payment options for motorcycles, ATVs, scooters and other vehicles.
Depending on the selected vehicle and financing arrangement, customers may be able to spread the purchase cost over several months through a bank credit card instalment plan or a separate financing agreement.
Available options, repayment periods, fees and eligibility requirements vary depending on the finance provider and the customer's circumstances.
This page explains the financing options, how to enquire about them and what to check before entering into an agreement.
Financing Consultation
To learn about financing options for your selected vehicle, contact the Sharmax Oman team by phone, email or visit our showroom.
Phone: +968 2246 4350
Email: [email protected]
In person: Sharmax Showroom in Muscat, Bousher, North Alghubra, Muscat, Sultanate of Oman.
Please provide the vehicle model and your preferred purchase location.
Our team can help you identify the relevant financing arrangements and explain how to obtain further information about eligibility, required documents and application procedures.
Requesting financing information does not commit you to a purchase or guarantee approval.
Sharmax Oman can provide information about financing arrangements involving banks and finance companies operating in Oman.
The options described below have different eligibility requirements, repayment structures and conditions. Availability for a particular vehicle or customer must be confirmed before purchase.
Important: The financing information provided on this page is for general guidance only and does not constitute a binding offer. The availability of a specific financing programme, including repayment terms, interest rates, fees and eligibility requirements, is subject to confirmation with the relevant bank or finance provider during the purchase process, before entering into a financing agreement.
Bank Muscat — Easy Payment Plan
Bank Muscat offers an Easy Payment Plan (EPP) that allows eligible personal credit cardholders to pay for qualifying purchases in 12 fixed monthly instalments at 0% interest.
The programme is available through participating merchants and is subject to the bank's conditions.
Key Programme Details
Repayment period: 12 months.
Interest rate: 0% on qualifying EPP purchases.
Payment method: The purchase amount is covered by an eligible Bank Muscat credit card, subject to sufficient available credit and the bank's conditions.
Eligibility: Eligible personal Bank Muscat credit cardholders, excluding corporate cardholders.
Credit limit: Sufficient available credit is required to cover the full purchase amount.
Minimum purchase amount: Determined by the participating merchant.
Additional charges: Any applicable card-related fees, late-payment charges or other expenses must be checked against the bank's terms.
Customers interested in using this programme for a Sharmax purchase should confirm the eligibility of their selected vehicle and request EPP when making the qualifying card payment.
The final payment schedule and any applicable conditions are determined by Bank Muscat.
View Bank Muscat Easy Payment Plan
Sohar International
Sohar International offers credit card instalment arrangements, including an Easy Payment Plan for eligible transactions.
The bank publishes repayment options of 3, 6, 12 and 24 months under its EPP. Availability and eligibility are subject to the bank's requirements.
For a Sharmax purchase, customers should confirm the applicable repayment period, eligibility, payment procedure and any relevant charges before proceeding.
View Sohar International Easy Payment Plan
National Bank of Oman (NBO)
National Bank of Oman offers instalment payment arrangements for eligible credit card purchases, including Easy Payment Plans.
The bank provides different methods of arranging instalments, and the applicable fees and conditions may vary depending on the selected method.
Customers considering an NBO arrangement for a Sharmax purchase should confirm the available repayment period, eligibility requirements and full payment terms with the bank.
United Finance Company
United Finance Company offers vehicle financing products subject to its lending criteria and credit assessment procedures.
Unlike credit card instalment plans, a separate vehicle financing agreement may require an initial down payment and involve interest charges, administrative fees or other expenses.
Available repayment periods, financing amounts, rates and other conditions depend on the provider's assessment and the specific agreement.
Customers should confirm whether their selected Sharmax vehicle is eligible and request a detailed financing quotation before proceeding.
View United Finance Vehicle Financing
Important Information About Financing Providers
The availability of a bank or finance company's products does not guarantee that a particular Sharmax purchase will qualify.
The conditions published by financial institutions may differ from the arrangements available for a specific transaction.
Before proceeding, customers should confirm the relevant provider, repayment period, applicable rates, fees, eligibility requirements and total amount payable.
Sharmax provides vehicle sales information and assistance with financing enquiries. Financing decisions and contractual terms are determined by the relevant bank or finance provider.
1. Choose Your Vehicle
Select the Sharmax motorcycle, ATV, scooter or other vehicle you are interested in.
Make a note of the model name or share a link to its product page.
Confirm the current purchase price and vehicle availability before requesting financing information.
2. Ask About Available Options
Contact the Sharmax Oman team to enquire about financing arrangements for your selected vehicle.
Ask whether the purchase can be made using a bank credit card instalment plan or requires a separate financing application.
Confirm which financial institution provides the arrangement, the eligibility requirements, necessary documents and available payment methods.
3. Review the Payment Details
Before accepting a financing arrangement, check the following:
- The vehicle's total purchase price, including applicable taxes;
- The required down payment, if any;
- The amount covered by the financing arrangement;
- The repayment period and number of instalments;
- The applicable interest or profit rate and how it is calculated;
- The amount and due dates of payments;
- The total amount payable over the repayment period;
- Processing fees, insurance costs and any other applicable charges;
- Early repayment conditions and late-payment charges.
If you receive an indicative payment calculation, compare it with the final payment schedule and the terms provided by the bank or finance company.
4. Review the Agreement
Carefully read the applicable terms before accepting an instalment arrangement or signing a financing agreement.
Make sure you understand your payment obligations, the identity of the financing provider and any additional conditions.
Confirm the vehicle purchase, payment and delivery arrangements with Sharmax.
What Determines Financing Terms?
Financing terms may depend on the selected vehicle, its price, the requested financing amount, the repayment period and the customer's financial circumstances.
For credit card instalment plans, eligibility may also depend on the card type, available credit limit and the bank's transaction requirements.
Separate financing applications may involve additional assessment of the applicant's income, credit history and other eligibility criteria.
When comparing financing options, consider the total amount payable rather than the monthly instalment alone.
A longer repayment period may reduce the monthly payment while increasing the overall cost where financing charges apply.
Additional Fees and Expenses
The cost of financing depends on the selected bank or finance company and the applicable arrangement.
Some credit card instalment programmes offer interest-free repayments for qualifying purchases. This does not necessarily mean that all card-related charges or other expenses are waived.
Separate financing agreements may involve interest or profit charges, administrative fees, insurance costs or other expenses.
Before accepting an offer, request a breakdown of all applicable costs and confirm whether they are paid upfront, separately or included in the financed amount.
If insurance or other additional services are required, ask how their costs affect the total amount payable.
Can I pay for a Sharmax vehicle in instalments?
Instalment payment arrangements are available for eligible purchases through banks and finance companies operating in Oman.
Availability depends on the selected vehicle, the financing programme and the customer's eligibility. Contact Sharmax Oman to confirm the applicable options before purchase.
Is interest-free financing available?
Bank Muscat offers a 12-month Easy Payment Plan at 0% interest for qualifying purchases made with eligible personal credit cards.
The programme is subject to the bank's conditions, including sufficient available credit and applicable merchant requirements. Additional card-related charges may apply in certain circumstances.
Do I need a Bank Muscat credit card?
Yes. Bank Muscat's Easy Payment Plan is available to eligible personal credit cardholders with sufficient available credit to cover the full purchase amount.
Customers without an eligible card can enquire about other available financing arrangements.
Is a down payment required?
This depends on the financing arrangement.
Credit card instalment plans and separate vehicle financing agreements may have different payment structures. Some financing agreements require an initial down payment.
Confirm the applicable terms before proceeding.
Can I check my monthly payment in advance?
An indicative calculation may be available for the selected financing arrangement.
The final payment amounts, repayment schedule, fees and total amount payable must be confirmed by the relevant bank or finance provider.
What documents will I need?
Requirements depend on the provider and the type of financing.
Credit card instalment transactions may have different requirements from separate vehicle financing applications.
How long does approval take?
Processing times vary depending on the finance provider and the required checks.
Submitting an enquiry or receiving a preliminary assessment does not guarantee approval.
Can I repay my financing early?
Early settlement conditions depend on the selected financing agreement or credit card instalment plan.
Customers should review any applicable fees or restrictions with the relevant provider before proceeding.
Can I enquire about different financing providers?
Yes. Customers can ask about available arrangements from different financial institutions.
The availability of each programme depends on its eligibility requirements and the payment methods accepted for the selected purchase.
Does requesting financing information commit me to a purchase?
No. Requesting general information does not, by itself, require you to purchase a vehicle or enter into a financing agreement.
Get Financing Information
Contact the Sharmax Oman team to enquire about financing options for your selected vehicle.
Phone: +968 2246 4350
Email: [email protected]
In person: Sharmax Showroom in Muscat, Bousher, North Alghubra, Muscat, Sultanate of Oman.
Please provide the vehicle model and your preferred purchase location.
Important Information
The financing information provided on this page is for general guidance only and does not constitute a binding financing offer. The availability of a specific programme, including repayment periods, interest or profit rates, fees and eligibility requirements, is subject to confirmation with the relevant bank or finance provider during the purchase process and before entering into a financing agreement. Any indicative payment calculation must be checked against the provider's final payment schedule and contractual terms.
Financing arrangements are subject to eligibility and approval where required. Customers should review all applicable conditions and assess their ability to meet the payment obligations before proceeding.
Terms and Conditions
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