Buy Now Pay Later Apps UAE 2023 | Avail BNPL Services With Tabby, Spotii, Postpay, And More

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Dec 01 2023 Share this blog
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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

What is BPNL, Or Buy Now Pay Later?

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.

How Does the BPNL Works?

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. 

Top Buy Now, Pay Later Apps In The UAE Market

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 










Late Fees

AED 15

AED 25

AED 25

AED 20

AED 25

AED 10


Live In

KSA, UAE, Kuwait, and Egypt




KSA, UAE, and Kuwait


UAE, Pakistan

Buy Now Pay Later UAE | Popular  Services In The UAE

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 UAE | Details & Information

  • 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. 

  • Earn cashback. 

  •  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. 

Stores Registered On Tabby | Tabby Electronics UAE & Other Platforms

Stores Registered On Tabby

  • 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)





Extra 10% off

6th Street



Up to 80% Off




Up To 50% to 80%




Up to 70%




Up to 70%




Up to 80% off

Dragon Mart



Up to 75% off

West Elm

Furniture & Home Decor


Flat 5% off

Pottery Barn

Furniture & Home Decor


Up to 60% off


Furniture & Home Decor


Up to 70% off

6th Street



Up To 50% to 80%




Up to 70%




Up to 80% Off

BPNL Services At The Top Stores In The UAE

Avail the BPNL services available in the popular stores in the UAE and experience hassle-free payments for all your purchases:


Noon BPNL Services With Tabby And Tamara

  • 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.


Bloomingdale’s With Tabby

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. 


West Elm With Tabby And PostPay

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

Sharaf DG Tabby

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.


Lululemon With Tabby And Tamara

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 Tabby

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:

  • Hotels and Homes: Agoda allows you to book luxurious hotels and homes at all the popular destinations around the globe like Maldives, Phuket, Hawaii, Switzerland, and more. 
  • Flights: Agoda has recently come into collaboration with multiple airways like Spicejet, Etihad, Jet Airways, Emirates, and more to bring you the best flight deals.  
  • Monthly Stays: Agoda provides a contract for their users to stay at a location for 30 days and more all of which you can experience even before paying with the Agoda Tabby partnership which allows you to pay for your stay in 4 easy installments


  • 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. 


Stores Registered On Spotii

Stores Registered On Spotii

  • Fashion: OUNASS(TN91), 

  • Electronics: Sharaf DG, Virgin Mobile, Dyson 

Tabby Vs Spotii  

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.

  • Seamless Checkout Process: Tabby integrates with various e-commerce platforms, enabling a seamless checkout experience for customers. Users can select Tabby as a payment option during the purchase process and choose their preferred installment plan.

  • Flexible Payment Options: Tabby offers different payment plans, ranging from 14 days to 12 months, allowing customers to choose the duration that suits their financial situation. Users can opt for interest-free installments or select longer-term plans with nominal interest rates.

  • Instant Approval: Tabby provides instant approval for eligible customers, making it quick and easy to complete purchases. Users can apply for a Tabby account directly through the app or website and receive a decision within seconds.

  • Multiple Retail Partners: Tabby has partnered with numerous online and offline retailers across various industries, including fashion, electronics, beauty, and more. This wide network of partners ensures that users can access Tabby's services across a broad range of products and brands.

  • Account Management: Tabby's user-friendly app allows customers to manage their purchases, review payment schedules, and track spending. Users can also make early payments or extend their installment plans within the app.

  • Easy Integration: Spotii integrates with e-commerce platforms and online stores, enabling a seamless checkout process for customers. Shoppers can select Spotii as a payment method and divide their purchases into installments without any added fees.

  • Interest-Free Installments: Spotii offers interest-free installments for customers, allowing them to spread their payments over a specified period without incurring any additional costs. This feature makes it attractive to budget-conscious shoppers who prefer to avoid interest charges.

  • Flexible Payment Plans: Spotii provides customers with the option to choose between several payment plans based on their preferences and financial capabilities. Users can select shorter-term plans, such as 4 installments, or longer-term plans with up to 6 or 8 installments.

  • Transparent Pricing: Spotii emphasizes transparent pricing, ensuring that customers understand the costs associated with their purchases. The platform displays clear information about payment amounts, due dates, and any fees or penalties, allowing users to make informed decisions.

  • Shop Now, Pay Later: Spotii allows users to buy products instantly without having to pay the full amount upfront. This flexibility enables customers to make purchases even if they do not have the complete funds available at the time.

Aramex Smart

  • 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 X Tamara

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. 

Cashew BPNL

  • 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. 

How To Use Buy Now Pay Later Coupons?

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.


1. What is BNPL?

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. 


2. How does BNPL installment app UAE work?

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.


3. Is BNPL available in the UAE?

Yes, BNPL services are available in the UAE and are offered by various providers.


4. Is Buy Now Pay Later apps safe to use in the UAE?

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.


5. What fees are associated with BNPL services in the UAE?

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.


6. Are there any requirements to use Buy Now Pay Later in UAE?

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.


7. Can BNPL be used to make purchases online in the UAE?

Yes, BNPL can be used to make purchases online in the UAE through participating retailers and e-commerce websites.


8. Which is a better BNPL service in UAE? 

There are many BNPL services in UAE, you can choose from different options like Tabby, Spotii, Tamara Pay, and more. 

9. Does Sharaf DG accept Tabby?

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

10. What is the best Tabby alternative UAE?

A few of the Tabby similar apps in the UAE would have to be Tamara, Spotii, and PostPay.

11. What are the most commonly used installment payment apps UAE?

The most commonly used UAE installment payment apps are Tabby and Tamara, followed by Spotii and PostPay. 

12. Can I use Buy Now Pay Later UAE without credit card?

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.

13. Does Sharaf DG have Tabby option for payment in all their categories?

Yes, Tabby payment in Sharaf DG is acceptable for all the categories that are present on the Sharaf DG app and website. 

14. What are the other apps like Tabby UAE?

UAE has multiple options available other than Tabby including Tamara, Rise, PostPay, Aramex, and more. 

15. What are the Talabat pay later terms and conditions?

The Talabat Pay Later  terms and conditions include: 

  • One has to be of age 21 and above with a valid debit or credit card to use the service. 
  • Payments are allowed only till the amount of AED 5000 with the first payment to be made at the time of checkout. 
  • The remaining 3 installments will be deducted from your card within a period of 14 days failing which an amount of AED 25 will be fined as a late fee.
  • Your account will be subjected to deactivation if you miss two or more payments. 


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 website to get the most out of your purchases. 

By Aparajita Podder - Author