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Related tool:
Installment Calculator
— calculate each installment and the payment schedule before buying.
Buy Now Pay Later services like Tabby and Tamara have spread widely in Saudi Arabia, letting you split purchases with no interest. This guide explains how they work, how to calculate your payments, and when fees may apply.
How does it work?
These services split your purchase into several payments (often 4 monthly). You pay the first at checkout and the rest later, with no interest if you pay on time.
How to calculate each payment?
Installment value = (amount + any service fee) ÷ number of payments.
Example: payment schedule
A SAR 1,200 purchase over 4 payments with no fee:
| Payment | Amount |
|---|---|
| First (at checkout) | SAR 300 |
| Second | SAR 300 |
| Third | SAR 300 |
| Fourth | SAR 300 |
Important tips
- Pay on time to avoid late fees.
- Do not stack several installment commitments beyond your means.
- Read the provider terms on returns and fees.
Frequently Asked Questions
Buy Now Pay Later services let you split a purchase into several payments (often 4 monthly payments) with no interest if you pay on time. You pay the first installment at checkout and the rest later.
Yes, it is interest-free if you pay the installments on time. However, late fees may apply if you miss a payment, so stick to the schedule to avoid any extra cost.
Divide the total amount by the number of payments. For example, a SAR 1,200 purchase over 4 payments = SAR 300 each. Add any service fee, if applicable, before dividing.
The limit varies by provider, your credit record, and the platform's assessment, and may start from hundreds of riyals up to thousands. Your available limit appears in the app at checkout.
Use the free installment calculator: enter the amount, number of payments, and any fee to see each installment and the full payment schedule before buying.