Tabby & Tamara Installment Calculator — Calculate Monthly Payment Free

Calculate the monthly installment value accurately, compare Tabby and Tamara fees, and know the real cost before buying gold or any product in installments

What are Tabby and Tamara Services? How do they work?

"Buy Now, Pay Later" (BNPL) services such as Tabby and Tamara are Saudi installment services that allow you to buy gold, jewelry, and any other product and pay in equal monthly installments. The service is available in more than 30,000 stores in Saudi Arabia including major gold shops such as Damas and L'azurde.

tamara
  • 2-4 installments: No fees
  • 6-12 installments: 17% service fee — 24 months: 40% service fee
  • Minimum ~99 SAR — Maximum depends on credit history
  • Available in more than 10,000 stores
tabby
  • 3 installments: No additional charges
  • 4 and 6 installments: Monthly processing fees (0.29% and 0.19%/month)
  • Fees are calculated once regardless of number of installments
  • Minimum 200 SAR — Maximum depends on store policy and credit history
  • Available in more than 30,000 stores

Full Comparison: Tabby vs Tamara — Which is Right for You?

Feature tabby tamara
Installment options 3 and 4 installments (and 6 in some stores) 3, 4, 6, 9, 12, and 24 installments
3 installments Free ✓ Free ✓
4 installments Processing fee 0.29%/month Free ✓
6 installments Processing fee 0.19%/month 17% service fee
9-12 months Not available 17% service fee
24 months Not available 40% service fee
Minimum 200 SAR ~99 SAR
Maximum Depends on credit history* Depends on credit history*
Number of stores 30,000+ stores 10,000+ stores

* Limits are dynamic — set by each provider based on your credit assessment and payment history, and may differ per customer.

Practical Examples: How Much Do You Really Pay?

Real examples to help you understand the difference between options before buying.

1 Gold ring at 2,000 SAR

tabby — 4 installments
Processing fee: 2,000 × 1.15% = 23 SAR
Monthly processing fee: 5.75 SAR/month
Installment: 505.75 SAR/month | Total: 2,023 SAR
tamara — 4 installments
Installment: 500 SAR/month
Fees: Zero
Total: 2,000 SAR ✓

Result: Tamara 4 installments is cheaper by 23 SAR

2 Gold bracelet at 5,000 SAR

tabby — 3 installments
Installment: 1,667 SAR/month
Fees: Zero
Total: 5,000 SAR ✓
tamara — 6 installments
Installment: ~975 SAR/month
Fees: 5,000 × 17% = 850 SAR
Total: 5,850 SAR

Result: Tabby 3 installments is cheaper — but Tamara offers lower monthly payments

3 Gold piece at 10,000 SAR

tabby — 3 installments
Installment: 3,333 SAR/month
Fees: Zero
Total: 10,000 SAR ✓
tamara — 4 installments
Installment: 2,500 SAR/month
Fees: Zero
Total: 10,000 SAR ✓

Result: Tamara 4 installments is more budget-friendly (2,500 vs 3,333) — same total cost

Is Installment Right for Buying Gold? Pros and Cons

Installment Advantages

  • ✓ Buy jewelry without depleting savings all at once
  • ✓ Benefit from current gold prices before they rise
  • ✓ Short interest-free installments: Tabby and Tamara 3 installments free, Tamara 4 installments always free
  • ✓ Fast registration and instant approval in most cases

Installment Disadvantages

  • × 17% service fees on long installments (6+) increase the actual cost
  • × Late payment affects your credit rating
  • × May tempt you to spend beyond your actual capacity
  • × The religious ruling on installments with fees requires consulting a scholar

5 Golden Tips for Smart Installment with Tabby and Tamara

1

Fee-free options available

Tamara 3-4 installments and Tabby 3 installments include no additional charges on the original amount.

2

Calculate the full cost

Before choosing long installments, calculate total fees and compare with immediate payment.

3

Commit to deadlines

Late payment may affect your credit rating and prevent you from benefiting in the future.

4

Don't over-installment

Make sure the monthly installment doesn't affect your budget. Only installment what you can afford to pay.

5

Compare Tabby and Tamara before buying

Use our calculator to compare the actual cost between the two options. Sometimes the fee difference is significant especially for large amounts!

Frequently Asked Questions About Tabby and Tamara Installments

What is the difference between Tabby and Tamara for installments?
Tamara offers more flexible options (2-24 installments): 2-4 installments free, and 6-12 installments with 17% service fee. Tabby offers 3, 4, and 6 installments: 3 installments free, and 4-6 installments with monthly processing fees (1.15% total of purchase value).
How much are Tamara's installment fees?
Tamara is free for 2-4 installments. For long installments (6-12 months), a 17% service fee is added, and for the extended plan (24 months), fees rise to 40% of the total amount.
How much are Tabby's processing fees for 4 installments?
Tabby charges monthly processing fees totaling 1.15% of the purchase value — split over the number of installments. Example: product at 2,000 SAR = 23 SAR total processing fees (5.75 SAR/month for 4 installments). 3 installments are completely free. The 6-installment option carries the same 1.15% total.
Can gold be purchased in installments via Tabby or Tamara?
Yes, many gold and jewelry shops in Saudi Arabia support installments via Tabby and Tamara such as Damas Jewellery, L'azurde, and others. Confirm service availability at the store before buying.
What is the minimum and maximum for installments?
Tamara: minimum ~99 SAR (varies by store), maximum depends on credit assessment. Tabby: minimum 200 SAR, maximum depends on store policy and your credit history — both set the limit dynamically per customer.
What happens if I miss an installment payment?
Late payment leads to late fees and may affect your credit rating, which could reduce your available limit in the future or prevent you from using the service. Always pay on time.
What is the fee difference between Tabby and Tamara?
Tamara: 2-4 installments free, 6-12 installments with 17% service fee, 24 months with 40% fee. Tabby: 3 installments free, 4 and 6 installments with monthly processing fees (total 1.15% of purchase value). Find exact SAR amounts in the calculator above.
Do Tabby and Tamara installments include interest?
2-4 installments from Tabby and Tamara include no additional charges. Longer installments (6+) include Tamara's 17% service fee or Tabby's monthly processing fees. For a religious ruling on these services, consult a qualified Islamic scholar.

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