Tamara
Saudi buy now, pay later app with Sharia-compliant instalments, no late fees and plans up to 24 months.
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About Tamara
Tamara is a Riyadh-based buy now, pay later service used across Saudi Arabia and the UAE, with Kuwait and Bahrain also listed on its site. Shoppers pick Tamara at checkout online or in partner shops and split the cost into instalments, with longer plans now reaching up to 24 months for larger purchases. Its main selling points are that its products are certified Sharia compliant by its own Sharia committee and that it charges no late fees, relying on reminders and account suspension instead. The app also lists partner stores and exclusive deals, and an optional Tamara Smart subscription adds cashback and other perks. Tamara Finance Company is supervised by the Saudi Central Bank. Signing up only takes a phone number and identity check; the service itself is free for shoppers, with merchants paying to offer it. It runs on iOS, Android and the web, and integrates with Shopify, WooCommerce, Salla and Zid stores.
Best for: Saudi and UAE shoppers who want Sharia-compliant instalments without late-fee risk.
Tamara pricing (checked Nov 8, 2026)
Each line is quoted from Tamara's own site, with the page it came from.
| Plan or term | What it says | Checked | Source |
|---|---|---|---|
| Longest plan | Up to 24 months | Nov 8, 2026 | tamara.co |
Pros and cons
What works
- No late fees on missed payments
- Sharia compliant, overseen by its own Sharia committee
- Long plans of up to 24 months for big purchases
- Works online and in physical stores
Why people leave
- Only available in a handful of Gulf countries
- Repeated late payments can suspend your account and hurt your credit score
- Cashback perks need the paid Smart subscription
Tamara vs Tabby and Klarna
From each app's listing and the prices verified on its own site. A dash means we haven't verified it yet.
Top Tamara alternatives
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Tamara: common questions
What is Tamara?
Tamara: Saudi buy now, pay later app with Sharia-compliant instalments, no late fees and plans up to 24 months. Best for saudi and UAE shoppers who want Sharia-compliant instalments without late-fee risk. Available for Web, iOS and Android.
Is Tamara free?
Yes, Tamara is free to use.
How much does Tamara cost?
Tamara is free to use. Longest plan: Up to 24 months. Checked on Tamara's own site, November 2026.
Is Tamara open source?
No, Tamara is not open source.
What platforms does Tamara run on?
Tamara is available for Web, iOS and Android.
What are the best alternatives to Tamara?
The highest-ranked Tamara alternatives right now are Tabby and Klarna. See the full ranked list for pricing, platforms and verified facts.
Tamara vs Tabby: what's the difference?
Both Tamara and Tabby are free to use. Both run on Web, iOS and Android.