About
Tamara is a Saudi buy-now-pay-later app and checkout option that also operates in the UAE, Kuwait and Bahrain. Shoppers sign up with a phone number and split online or in-store purchases into instalments, over up to 24 months in Saudi Arabia, paying through the Tamara app or website. It markets itself as Sharia-compliant and charges no late fees, though repeated missed payments can suspend the account and affect the user's credit score. Its lending entity, Tamara Finance, was licensed by the Saudi Central Bank (SAMA) as a consumer finance and BNPL company in March 2025. Tamara reported more than 20 million customers and 87,000 merchants in September 2025.
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