How to Know Your Tabby & Tamara Limit 2026: The Truth Behind the Number

Tabby and Tamara are Saudi companies specialising in Buy Now Pay Later (BNPL). They let you buy an item instantly and pay in 3-4 zero-interest instalments, or over longer plans with defined fees. The two compete in the same market, and each has a different credit limit for each user.

The most important clarification: there is no public limit number. The limit is calculated individually by an internal algorithm the company doesn't publish, and may differ within your own account from one month to another, or even from one store to another on the same day. Any website or social account that tells you "Tabby's limit = 5,000 SAR" without conditions is lying.

Where to check your current limit

On Tabby

| Method | Detail | |---|---| | App | Download Tabby → sign in → "Profile" → "Available Limit" | | Partner store | Open any partner store (like Noon, Jarir) → checkout → choose Tabby — total and used limits appear | | Web | tabby.ai → sign in → "My Account" |

On Tamara

| Method | Detail | |---|---| | App | Download Tamara → "Home" → "Credit Limit" | | Partner store | Same as Tabby — selecting Tamara at checkout shows the cap and available | | Web | tamara.co → sign in → "My Account" |

How the company calculates your limit

The algorithm is proprietary, but both companies disclose the main factors:

| Factor | Weight (estimated) | |---|---| | Credit record at SIMAH | Very high | | Declared or bank-observed monthly income | High | | Repayment history on Tabby / Tamara itself | High (grows over time) | | Number of completed orders | Medium | | Linked primary bank card | Medium | | Store type (essentials vs. luxury) | Low | | Account tenure | Grows gradually |

SIMAH is the Saudi Credit Bureau. Every Saudi financial entity (bank, financing company, BNPL) checks your file there before granting credit. A clean record = higher limit. A record with defaults = lower or zero limit.

How to raise your limit legitimately

1. Pay before or on the due date: even one day late lowers your score.
2. Start with small purchases and complete them: building a 3-6 month history unlocks a bigger cap.
3. Link a primary bank card: signals financial strength.
4. Update your income in the app: some apps ask periodically.
5. Improve your SIMAH record: settle any late payments on other loans and cards.
6. Don't rush multiple orders in a short window: reads as impulsive behaviour.

What lowers your limit immediately

• Any 7-day late payment: negative flag in the algorithm.
• 30-day late payment: recorded in SIMAH as an official delay — impact lasts 5 years.
• Returning a product a few days after purchase: read as experimental behaviour.
• Purchases at merchants with poor financial reputation: may affect for some companies.
• Frequent mobile or card changes: interpreted as potential fraud activity.
• Closing a linked bank account: cuts off income verification.

Tabby vs Tamara on credit

| Criterion | Tabby | Tamara | |---|---|---| | Founded | 2019, UAE then Saudi | 2020, Saudi | | Base plans | 4 instalments, no fees | 3 instalments, no fees | | Long plans | 6-12 months with fees | 6-12 months with fees | | Partner stores | 30,000+ | 30,000+ | | Limit flexibility | Gives higher caps for long history | Similar caps, prefers diverse orders | | Saudi regulation | Licensed by SAMA | Licensed by SAMA |

Do Tabby and Tamara report to SIMAH?

Yes, since 2022. Both companies report repayment behaviour to SIMAH. On-time payments = building a positive credit record (important for future mortgages or car loans). Defaults = risk to your ability to obtain bank loans later.

Safe-use tips

• Don't use Tabby/Tamara to buy what you don't need: the instalment hides that the purchase already dents your capacity.
• Keep usage under 60% of the limit: leaves headroom for emergencies.
• Set payment reminders: the apps send alerts, but relying on them alone isn't enough.
• Check SIMAH yearly: simah.com — you get one free annual report.

Related articles

• Absher — the complete guide
• Developed Social Security
• Citizen Account — eligibility

Sources:

• Tabby — tabby.ai
• Tamara — tamara.co
• Saudi Credit Bureau (SIMAH) — simah.com
• Saudi Central Bank (SAMA) — sama.gov.sa (BNPL regulation).

Regulation of Tabby and Tamara in Saudi Arabia

Since 2023, buy-now-pay-later companies have been under direct supervision of the Saudi Central Bank (SAMA) through the regulatory licensing framework for BNPL consumer finance companies. This oversight means practically:

1. Consumer protection: no BNPL provider can impose hidden fees or excessive late penalties.
2. Mandatory transparency: every contract must clearly show installments, their dates, and expected penalties for delay.
3. Ceiling on the limit: SAMA sets limits on the maximum consumer credit relative to user income to prevent excess.
4. Mandatory reporting: companies must submit reports on usage patterns and risks to SAMA.
5. Right to appeal: as a user, you can file a complaint against the company via SAMA Cares — complaints portal if it wrongs you.

This framework made the Saudi market safer than BNPL markets in other countries — but the responsibility for keeping your file clean is on you.

Alternatives to Tabby and Tamara for Large Purchases

For purchases exceeding your available limit (car, large appliances, full furniture), these two models are more suitable than BNPL:

| Option | When to use it | Effect on SIMAH record | |---|---|---| | Personal bank loan | 20,000 SAR and above | Positive with regular repayment | | High-limit credit card | 3,000-20,000 SAR purchases | Very positive if you keep usage below 30% | | Point-of-sale financing | Large electronics | Similar to BNPL in impact | | Auto financing | New and used cars | Positive with on-time repayment | | Real Estate Development Fund financing | First home for Saudi family | Long-term credit up to 30 years |

Don't rely on BNPL for everything — use it for small-medium purchases, and traditional financing for larger ones.

The Psychological Risks of Overuse

Warning from SAMA studies and consumer-behavior research: BNPL increases impulse spending at a rate exceeding traditional credit cards, because splitting the amount into small installments hides its true size. A shopper sees "50 SAR monthly" instead of "200 SAR at once," and agrees without thinking.

Healthy behaviors for control:

• The 24-hour rule: if a desire to buy on installment appears, wait a full day before clicking.
• Restrict Tabby/Tamara to specific categories: for example, formal work clothes only, or office electronics.
• Calculate the total monthly installments across both apps: general rule — do not exceed 10% of your monthly income.
• Monthly review: at month's end, open both apps and review "what did I buy? Did I really need it?"

Source: Financial Awareness at SAMA and the global BNPL consumer-protection framework — Consumer Financial Protection Bureau.