Buy Now, Pay Later has become extremely popular in the UAE in recent years, with more and more stores offering the service at their respective stores and websites to further complement their customers' shopping experiences.
Read : UAE National Day Offers & Coupons 2023 | Avail Up To 90% Off On All Purchases
Buy now and pay later Agreements allow customers to make purchases and pay for them at a later time through point-of-sale installment loans. Customers typically make a down payment on an item and then pay the balance off over a set number of installments.
It breaks up your purchase into several equal installments, the first of which is due at checkout. Your debit or credit card will be charged for the subsequent installments until your purchase is finished.
Buy Now, Pay Later services have successfully penetrated the UAE market, with numerous stores offering BPNL services. These 7 BPNL players however have seemed to dominate the loan market with their easy agreements and friendly schemes
|Parameters ||Tabby ||Spotii ||PostPay ||Cashew ||Aramex ||Tamara ||Rise |
KSA, UAE, Kuwait, and Egypt
UAE and KSA
KSA, UAE, and Kuwait
UAE and KSA
The concept of "buy now pay later" has gained popularity as a payment option among consumers. This payment method allows customers to purchase items upfront and pay for them in installments, often with little or no interest. Buy now pay later UAE services have become increasingly prevalent in the UAE, here are some of the most popular Buy Now Pay Later UAE apps.
Tabby: Offers installment plans for purchases with a range of merchants and partners, including online and offline retailers.
Postpay: A service by Emirates NBD that allows customers to pay for their purchases in installments with select merchants.
Spotii: Provides interest-free installment plans with a variety of merchants across different categories.
Payfort Installments: Allows customers to pay for their purchases in installments with select online merchants.
Flexipay: Offers installment plans for purchases made with partner merchants, including electronics, fashion, and beauty retailers.
Mashreq Bank's Easy Payment Plan: Allows Mashreq Bank credit cardholders to convert their purchases into installments at select partner merchants.
Noon X Tamara: Offers customers the option to pay for their purchases in installments with select merchants on the Noon platform, you can even get a flat 15% off on your first purchase.
Tabeo: Provides interest-free installment plans for online purchases with a range of merchants.
Tabby is a Buy Now, Pay Later platform from the UAE that was founded in 2019.
Available in KSA, UAE, Kuwait, and Egypt.
You can either open an account on Tabby or one will be created while you opt for the BNPL services.
Tabby will split your amount into 4- interest-free payments.
0% interest as long as pay on time.
The payments are made via a virtual Tabby Visa card that you can also add to your Apple or Google Wallet.
The negative or positive influence of your limits depends entirely on your usage of the Tabby app.
Tabby also offers Buy Now pay next year which allows you to split your cart value into 12 equal monthly installments.
Fashion: OUNASS, 6th Street, SIVVI, VogaCloset, Bloomingdale’s
Electronics: Noon, AliExpress, DragonMart, Amazon
Furniture And Home Decor: West Elm, Pottery Barn, Crate&Barrel
Beauty And Healthcare: OUNASS, 6th Street(ST9), SIVVI(ZOTON), VogaCloset(ZTNS)
|Store ||Category ||Code ||Discount |
Extra 10% off
Up to 80% Off
Up To 50% to 80%
Up to 70%
Up to 70%
Up to 80% off
Up to 75% off
Furniture & Home Decor
Flat 5% off
Furniture & Home Decor
Up to 60% off
Furniture & Home Decor
Up to 70% off
Up To 50% to 80%
Up to 70%
Up to 80% Off
Avail the BPNL services available in the popular stores in the UAE and experience hassle-free payments for all your purchases:
Experience the breathtaking Noon Autumn/Winter Sale 2023, a shopping extravaganza offering unbeatable discounts of up to 40% off. Discover an incredible range of fashion and lifestyle products, including trendy tops, stylish swimwear, sportswear, elegant heels, luggage, watches, eyewear, abayas, sneakers, and captivating jewelry. Take advantage of the exclusive Noon Promo Code: ZOUT13 to enjoy fantastic deals and significant savings.
Elevate your style with the remarkable collection of tops available at Noon. Explore the latest designs, vibrant colors, and warm fabrics that cater to every fashion enthusiast. The Autumn/Winter Sale is the perfect opportunity to revamp your wardrobe with versatile and stylish tops.
Refresh your wardrobe with the finest selection of bottoms, including pants, leggings, joggers, and track pants. Whether you're looking for versatility or a specific style, the Autumn/Winter Sale combined with the Noon Promo Code: ZOUT12 allows you to enjoy great savings.
Stay active and fashionable with Noon's sportswear collection. Shop high-quality activewear that effortlessly combines style and functionality. Embrace the Autumn/Winter Sale to upgrade your sportswear wardrobe and achieve your fitness goals in style.
Step up your shoe game with the exquisite range of heels available at Noon. From sophisticated pumps to trendy sandals, find the perfect pair to elevate your fashion statement. The Autumn/Winter Sale offers incredible discounts, allowing you to fulfill your shoe desires at a fraction of the price using the Noon Promo Code: ZOUT11.
Noon has you covered with an extensive selection of luggage options to meet your travel needs. Choose from convenient carry-on suitcases, versatile duffel bags, and stylish luggage sets. Enhance your savings during the Spring/Summer Sale by using the Noon Promo Code: ZOUT11 to find the perfect travel companion at a great price.
Avail the BPNL service of Tabby on all your Bloomingdale’s purchases and get 4 interest-free payments. This service is available for orders between 200 AED and 10,000 AED in UAE in the categories of:
Women's Clothing: Includes a variety of clothing options for women, such as dresses, tops, pants, skirts, and outerwear. Get an additional 20% off on your purchase with the Bloomingdale’s promo code BM15
Men's Clothing: The men's section is composed of apparel, including suits, shirts, trousers, jackets, and casual wear starting at AED 79. Use Bloomingdale’s coupon code WOW106 to get an additional 20% off.
Accessories: Offers a selection of accessories like handbags, wallets, scarves, hats, belts, and jewelry. Use code BM15
Shoes: Provides a range of footwear options for both men and women, including shoes, boots, sneakers, heels, loafers, ballerinas, and more, with an additional 10% off using Bloomingdale’s coupon code BM15
Beauty: Carry a wide array of cosmetics, skincare products, fragrances, and grooming essentials that are ideal for all skin types. Use Bloomingdale’s prom code BM15 to get an additional 10% off on your purchase.
Home: Offers home decor, furniture, bedding, kitchenware, and other home accessories to decorate your home. Use Bloomingdale’s promo code WOW106 to get up to 70% off your purchase.
The sophisticated and affordable furniture brand, West Elm, has recently introduced their Buy Now, Pay Later services with popular UAE Buy Now Pay Later services providers like Tabby and PostPay service providers which allow buyers to split your purchases into either 3 or 4 interest-free payments with no fees.
Furniture: West Elm provides a wide range of furniture options for various rooms in the home, including living room, bedroom, dining room, home office, and outdoor spaces. This includes sofas, tables, chairs, beds, and more. Avail Code: A4237
Home Decor: This category includes items such as rugs, curtains, lighting fixtures, wall art, mirrors, and decorative accents to enhance the look and feel of your home. Available Code: A4237
Bedding: West Elm offers a selection of bedding essentials, including sheets, duvet covers, quilts, and pillows, to create a comfortable and stylish bedroom. Apply Code: A4237
Dining and Kitchen: You can find dining tables, chairs, dinnerware, glassware, kitchen tools, and accessories for entertaining and meal preparation. Use Code: A4237
Outdoor: For outdoor living spaces, West Elm offers outdoor furniture, cushions, and accessories to create a welcoming and functional outdoor area. Get Code: A4237
Tabby is a buy now, pay later (BNPL) service that allows you to split your purchase into four interest-free payments. You can use Tabby to pay for purchases at Sharaf DG online or in-store.
Yes, Sharaf DG offers Tabby payment. Tabby is a BPNL in UAE that allows you to split your purchase into four interest-free payments. You can use Tabby to pay for purchases at Sharaf DG online or in-store.
To use Sharaf DG Tabby payment offer, you need to create an account and link your debit or credit card. When you checkout at Sharaf DG, select Tabby as your payment method. You will then need to choose how many payments you want to split your purchase into. Sharaf DG Tabby will then generate a four-digit code that you need to enter at checkout.
Once your purchase is complete, you will need to make your first payment within 14 days. The remaining payments will then be due every 30 days. You can make your payments online or in-store.
Tabby in Sharaf DG is a convenient way to pay for your purchases at Sharaf DG. It can help you spread out the cost of your purchase and make it more affordable.
Avail the buy and pay later services by providers like Tabby and Tamara which allows you to pay for your purchase in 4 or 3 interest-free installments, respectively in the categories of:
Women's Clothing: Lululemon provides a wide range of women's activewear and athleisure options, including leggings, sports bras, tank tops, jackets, and shorts. Use the Lululemon promo code A48.
Men's Clothing: This category includes men's athletic and casual wear, including shorts, joggers, shirts, outerwear, and sweatpants. Avail the Lululemon promo code A48.
Yoga: Lululemon offers yoga-specific clothing and accessories, such as yoga mats, yoga pants, and tops designed for flexibility and comfort. Use the paylater UAE app Tabby to make your payment for your yoga clothes.
Running: You can find running-specific apparel like running shorts, tights, tops, and accessories designed to enhance your running experience. Use Lululemon code A48
Training and Gym: This category features activewear and training gear suitable for various gym workouts and training sessions, available at an extra 20% off using the Lululemon promo code A48.
Swimwear: Lululemon offers swimwear for both men and women, including swimsuits, board shorts, and cover-ups. Use the Lululemon promo code A48 to get up to 70% off on your purchase.
Agoda allows their customers to avail their services first and then pay for them over 4 interest-free payments with Tabby Agoda. This allows you to enjoy the Agoda services of:
Spotii was founded in 2021.
Spotii mostly focuses on local businesses in the sectors of lifestyle, beauty, and fashion styles.
With Spotii Pay Later app in UAE and KSA, you can split your bill amount into 4 interest-free payments. The first payment needs to be made then and there, and the rest can be sent over time.
The biggest benefit of Spotii is that you can use it both on the websites as well as at the stores.
When using Spotii offline, you can scan their QR code and the app will load you through the process.
The Spotii Scores theory underlies how the business operates. The more money you can spend with Spotii, the better your score will be.
Use the app more frequently, make on-time installment payments, or add your LinkedIn ID, passport, ID, and income certificate. You may also boost your score by following Spotii on social media.
Each late payment will incur a 25 AED cost, with a cap of two fees per order, if you're paying late.
Spotii also allows you to pay for your purchase in 12 equal monthly payments with its Buy Now pay next year services.
Spotii is available in KSA and UAE.
Electronics: Sharaf DG, Virgin Mobile, Dyson
Tabby and Spotii are two popular buy now, pay later (BNPL) applications that allow consumers to make purchases and pay for them in installments over time. While both platforms offer similar services, they have distinct features and approaches. Let's explore each application in detail.
|Tabby ||Spotii |
Aramex Smart is founded in 1983.
Aramex Smart has a BNPL service called “Unbox Now, Pay Later” which allows you to make purchases without paying anything and gives you 14 days to pay you feel.
To use the service, you must apply and be accepted. Following that, you can shop and make a subsequent payment using any method.
There are no fees, but there is a late fee of 10 AED or 10 SAR.
Tamara was founded in 2020.
A Saudi startup made its app available in Kuwait, the UAE, and Saudi Arabia.
You have the option of paying in three or four interest-free installments.
There is a late fee you must pay in addition to your missed payment, just like with other BNPLs in the UAE.
Tamara also includes the Farah rewards program, where you can find exclusive deals and offers from brands you know and love.
Noon, in association with Tamara, is offering their customers an extra 15% off on their shopping and splitting your purchase into 3 interest-free payments.
Here are the terms and conditions to the sale
Each customer is eligible to use the offer once.
The cashback will be applicable using the code: TAMARA
The maximum cashback amount applicable is AED75
No other Noon offers and coupon codes can not be clubbed together with the Noon.
Not applicable to other Bank offers and other BPNL services apart from Tamara.
Cashback expires after two months of the cashback credit date.
You can use the other Noon coupon codes to get an extra 10% off your purchase using the Noon coupon code ZOUT1.
PostPay was founded in 2019.
PostPay is available to users aged 18 and above.
PostPay allows you to pay your bill in two or three installments.
You have to pay 33% off your bill then and there and then the remaining amount has to be paid over the next two or three months.
After creating an account, locate the items you wish to purchase, then use the Postpay app to create a virtual card that enables three-part payments. Buyers can also opt for a 12-month installment policy without any fee or interest with the PostPay Buy Now Pay next year service of the app.
As with any debit or credit card, you simply enter the information from your postpay virtual card.
Available in the UAE only.
Available in the UAE.
Users have to be aged 21 and above.
Users can choose from three methods of installments: 3installments, 6 installments, 12 installments
There aren't any interest charges or other fees as long as you make your payments on time.
If you do forget to make a payment, there is a 2% late payment fee with a minimum charge of 20 AED for each missed payment.
You can BNPL directly online on the websites of Cashew partners or in-store using a QR code.
Rise is a Buy Now Pay later Dubai startup that incorporates a digital bank account, insurance and investment products, as well as BNPL.
The company is primarily concerned with the many migrants who require banking and financial services.
Apart from UAE, the company also operates in Pakistan. As for its pay later segment, it has partnered with Carrefour to offer payment plans for electronics, appliances, and similar products.
You can pay off the products in four installments.
Here's how you can use Buy Now Pay Later coupons effectively:
Select a Retailer: Look for online stores or retailers that offer Buy Now Pay Later options and have ongoing promotions or coupons related to BNPL.
Browse Products: Browse the products available on the retailer's website and add the items you want to purchase to your cart.
Apply the Coupon Code: Once you've added the desired items to your cart, proceed to the checkout page. At the checkout, you'll usually see a field where you can enter coupon codes or promo codes. This is where you'll apply your Buy Now Pay Later coupon code.
Enter the Coupon Code: Enter the coupon code exactly as provided. Make sure to double-check for any spelling errors or spaces.
Check Terms and Conditions: Before applying the coupon, read the terms and conditions associated with it. Some coupons might have specific requirements, such as a minimum purchase amount, specific products eligible for the discount, or certain time restrictions.
Apply the Discount: After entering the coupon code, click on the "Apply" or "Submit" button. The discount associated with the coupon should be applied to your order.
Choose BNPL Option: Once the coupon discount is applied, proceed to the payment section. Look for the Buy Now Pay Later option provided by the retailer. This could be through a third-party BNPL service like Afterpay, Klarna, or a similar service. Select the BNPL option.
Complete the Purchase: Follow the steps required by the BNPL service to complete your purchase. This usually involves creating an account with the BNPL service (if you don't already have one) and providing payment information. Keep in mind that while you're not paying the full amount upfront, you'll still need to adhere to the payment schedule provided by the BNPL service.
Payment Schedule: BNPL services typically split your total purchase amount into equal installments that you'll need to pay over a set period of time (e.g., four payments every two weeks). Make sure you understand the payment schedule and the dates when payments will be due.
Follow Through: Make sure to keep track of your payment schedule and ensure that you have enough funds available in your chosen payment method to cover the installments on the due dates. Failure to make payments on time might result in late fees or other penalties.
BNPL or the Buy Now, Pay Later is a type of payment option where customers can purchase items and pay for them at a later date, often in installments. The BNPL or shop now pay later apps UAE consist of Tabby, Tamara, Spotii, PostPay, Rise, Aramex, NymCard, and more.
BNPL services in the UAE work by allowing customers to make purchases and defer payment until a later date. The customer may be required to make a small down payment, after which they can pay off the balance in installments over time.
Yes, BNPL services are available in the UAE and are offered by various providers.
BNPL services in the UAE are generally considered safe to use, as long as customers understand the terms and conditions of their agreement and make payments on time.
The fees associated with BNPL services in the UAE can vary depending on the provider and the terms of the agreement. Customers should be aware of any fees, such as interest or late payment fees, before using a BNPL UAE service.
Requirements to use BNPL in the UAE can vary depending on the provider, but some common requirements include being 18 years of age or older, having a valid ID, and having a good credit history.
Yes, BNPL can be used to make purchases online in the UAE through participating retailers and e-commerce websites.
There are many BNPL services in UAE, you can choose from different options like Tabby, Spotii, Tamara Pay, and more.
Yes, Sharaf DG accepts Tabby for making payments in 4-interest-free installments of your purchases. Tabby Sharaf DG is acceptable in the categories of electronics and home and kitchen appliances like cell phones, laptops, cameras, air conditioners, T.V.s, and more
A few of the Tabby similar apps in the UAE would have to be Tamara, Spotii, and PostPay.
The most commonly used UAE installment payment apps are Tabby and Tamara, followed by Spotii and PostPay.
Yes, of course, you can use the Buy Now Pay Later apps UAE without a credit card. In fact, most of the top BNPL apps like Tabby, Tamara, Spotii, PostPay, and more do not require you to possess a credit card but rather only work with a Buy Now Pay Later debit card from a reliable bank or mobile phone number to sign up for a BPNL account and start making your purchases.
Yes, Tabby payment in Sharaf DG is acceptable for all the categories that are present on the Sharaf DG app and website.
UAE has multiple options available other than Tabby including Tamara, Rise, PostPay, Aramex, and more.
The Talabat Pay Later terms and conditions include:
Use the various available Buy Now Pay Later Services available in UAE to make your shopping experience even easier. Make use of the coupons and promo codes available on the Zoutons.ae website to get the most out of your purchases.