Need something cleared up? Here our most frequently asked questions

How can we help you?

Everything you want to know about Tamam Finance Company

Frequently asked questions

Who is Tamam?
Tamam is a Fintech company established in 2019 in KSA and providing consumer micro-lending services in the kingdom under the supervision of the Saudi Central Bank. We offer instant financing without complicated documentation or visiting bank branches.
What are the documents required to apply for personal finance?
Tamam is digital finance, and it does not require any papers or documents, as the customer's data is verified after agreeing to the terms and conditions.
Are your services Shariah compliant?
Yes, Tamam products are Sharia-compliant.
What are Tamam products?
We currently offer consumer microfinance, and digital installments through Tamam partners.
Do Tamam offer credit cards?
Currently unavailable, follow us on social media to know all the news.
How do I contact Tamam customer service?

You can do this by:

  • Contacting customer service via the toll-free number 8001010999
  • Contacting the technical support email Support@tamam.life
  • Contacting Tamam's customer service account on Twitter at @USETAMAMCARE
How do I contact Tamam Sales Service?

Contact us on the toll-free number 8001010999

How do I apply for a loan?
Download Tamam application and complete the online registration. Based on your eligibility, you will be able to request finance.
Can I apply for more than one finance?
You cannot request more than one financing at the same time, but you can request a refinance after paying 20% ​​of your current financing.
If I have finance from Tamam, can I apply for digital installments?
Yes, you can apply if you meet the conditions.
What is the maximum financing amount?
The maximum amount of financing is determined based on the internal credit scoring mechanism developed by Tamam, and the financing amount generally starts from A 3,000 to A 50,000.
Can non-Saudis obtain financing?
Yes, our financing services are available to Saudis and residents.
Is a sponsor required?
A sponsor is not required.
What are my chances of getting financing if I have active financing??
Tamam's internal credit policy will determine whether or not you can obtain financing.
How do I know if I am eligible for a loan?
After completing the online registration process and starting the loan application, customers eligibility will instantly be calculated
Can I request finance from Tamam if I'm a defaulter in SIMAH?
You can enter Tamam application to check if you are eligible for the loan.
Can I choose an amount less than the one offered to me?
Please review it with the business department (AR-EN)
I got a payment reminder message, but I don't have active finance!

Please submit a request for a transfer details letter via the support email: support@tamam.life.

You must report to the relevant authorities if you have been exposed to a fraud attempt.

How much is the profit percentage?
Interest rates vary depending on your salary, work history, and current bank obligations.
What type of legal actions could I face for failing to repay my loan?
You will be reported to the Saudi credit bureau (SIMAH) which will negatively impact your future credit requirements and also to the respective courts or authorities. Hence, please ensure to pay promptly to avoid any future credit or legal impact
How do I pay my installment via Mada or Credit Card in the app?
You can make payments by accessing the payment section in the application and adding your credit or Mada card. To pay the installment using your Mada or credit card through the application, you should follow these steps:

I. Log in to the application.
II. Choose the installment you want to pay.
III. Select the payment method and the card you want to use (Mada or credit).
IV. Enter the card details (card number, expiration date, and CVV code).
V. Click on the "Pay" button to complete the payment process.

Make sure that you have sufficient balance in your card or available credit limit if you are using a credit card. Also, remember to update your card information regularly and ensure its validity to maintain smooth usage and pay installments regularly.
What is the maximum loan amount that I can get?
The maximum financing amount depends on each customer's profile. Please register on the app, go through the steps and you will be able to automatically see your eligibility
Why was my request rejected?
In the event that the conditions are not met, the application will be rejected based on the product policy.
What is the loan profit rate that I have to pay?
The profit rates vary depending on each customer's profile and eligibility. You need to request new finance through the app and accordingly, you will be able to check the profit rate and any other related fees.
Why am I not eligible for a loan?
Customer eligibility depends on a large number of factors such as your income, SIMAH score, debt burden ratio, and more.
Why am I only eligible for SAR XX?
We define your maximum loan value based on a unique internal credit scoring mechanism developed by Tamam. The credit score cannot be altered; this is the maximum loan amount you are eligible for at this stage based on your profile (i.e. income, SIMAH score, debt burden ratio...)
On what basis you calculate the fees?
As per the financing agreement, we applied a standard service fee on your loan driven by the loan amount you have selected. An early settlement of your loan would help you avoid any additional fees
Can I cancel the loan after signing the agreement?
The loan can only be canceled within the first 10 days with the condition that the financing amount is not transferred to any local bank account with the condition of repaying the administrative fees incurred by Tamam to approve the financing application in compliance with SAMA's Consumer Protection Principles
How are early repayment payments processed?
All transactions are calculated automatically at the end of a working day and are reflected in the system automatically.
How are outstanding payments processed?
Payments due are automatically processed within 24 hours. if the payments are not processed within 24 hours, please contact the customer care team through the toll-free number: 8001010999
How do I cancel the contract?

As long as the amount is not transferred to any local bank account and the administrative fees calculated for approving the application are paid in accordance with the Central Bank's consumer protection principles, the financing can be canceled within ten business days.

For more information, please call our unified number at 8001010999 or send an email to Support@tamam.life.

What are the financing terms?
You must be an employee in the private or government sector, and the period of service should not be less than 3 months. The salary for Saudis should be A 4,000 and for residents A 5,000 as a minimum, and your age should not be less than 20 years old.
When will the amount be deposited into my bank account?
The financing amount is deposited instantly after the cash-out.
Where can I find the contract?
You can view the contract by logging into the TAMAM application.
How can I get the clearance letter?
You can request a clearance letter through the App, and the request will be processed within 1 working day.
How is financing rescheduled?

You can request a rescheduling by sending an email to Support@tamam.life to verify your eligibility for rescheduling.

How can I request a letter of indebtedness?
Please review it with customer care department (AR-EN).
How do I update job data?
Job data is updated automatically.
How do I update my national address?
The national address is automatically updated after updating it in the SPL platform.
Why did my account get closed in the application after the approval?
The account has been suspended for your protection and safety, the verification will be done within 3 working days.
How is the suspension lifted from my account?
To remove the suspension from the account, please contact customer service through the toll-free number 8001010999.
I received a verification SMS containing a temporary password from TAMAM, even though I did not submit any requests.
Please contact us via TAMAM's official channels urgently so that we can secure the account.
My account is under verification, when will I receive the verification call?
You will receive a verification call within 3 business days.
Can I submit a financing cancellation request after the account is under verification, or should I wait for verification?
The customer can raise a request to cancel the financing request regardless of the suspension or activation of the account.
What should I do when the message "National Identity Expiration" appears?
Kindly make sure that your ID is updated
Why am I receiving an error message stating that my ID already exist within your platform?
Someone has registered using this ID number and verified it with Absher.
What should I do when a message ("Application Error") appears?

If you receive an error message indicating a problem with the application, you can follow these steps:

  1. Update the application to the latest available version as the issue may have been fixed in the new version.
  2. Restart the application and try accessing the service again.
  3. If the message still appears, contact the customer support team of Tamam via e-mail at support@tamam.life to inform them of the problem. Please provide a screenshot of the issue. Your request will be processed as soon as possible.
How do I change the mobile number in the Tamam application?

You can change the mobile number through the Tamam application:

  1. Settings
  2. Change the mobile number

The mobile number must be linked to the account holder's name.

Why am I receiving an error when inputting my phone number?
Please make sure you are using your Saudi primary phone number registered with Absher and linked to your national ID
Why am I not receiving a temporary password?
Please make sure you can access the phone number you have registered with Tamam. Temporary password validation is required to move to the next step
Why am I not receiving Absher temporary password?
Absher temporary password is managed directly by Absher and sent to your primary mobile number registered with them. Please make sure you have access to that mobile number or you cannot proceed
I forgot my pin, how can I reset it?
You can reset your PIN if you have access to your registered phone number. All you need to do is to click "forgot PIN" at the login page and follow the steps.
I have received a verification SMS that contains a temporary password from Tamam, however, I haven't submitted any request. Why is that?
This might be a potential fraud. We will have to temporarily block the account registered using your phone number and National ID\Iqama and investigate further
When is the financing amount deposited?
The amount of financing will be in your wallet when you submit the Tamam application. After the end of the validation period (24 hours), you can enter the application and transfer the amount to your bank account that you previously registered.
How do I cash-out my loan?
You can cash-out your loan by transferring money to any bank account in the Kingdom using the cash-out option.
Why my bank does not appear in the list of banks?

Transfers can only be made to local bank accounts within the Kingdom.

If your bank is located in the Kingdom but is not listed, please contact us at 8001010999 or via email at Support@tamam.life.

I transferred the money to my bank account. when it will be deposited at my bank account?
Transfer request to bank account usually processed from Sunday till Thursday between 9:00am and 3:00pm. Other than that, you'll receive the amount on the second working day after 9:00 am
I still have not received money transferred to local bank account. Why is that?
Please send us your transaction number or a screenshot of the transaction notification and we will get back to you shortly
I have transferred the money from my bank account, however, weekly interest was added prior to the money reaching my Tamam account? What do I need to do?

Please provide us with the transaction reference number by contacting us via email at Support@tamam.life. We will verify the request and take the appropriate action accordingly.

When is the installment due?
on the 1st of every month.
How do I pay my installments?

You can pay through the application using:

  • Apple Pay
  • Mada card
  • Credit card
  • Transferring the amount or installment to the company's Arab Bank IBAN registered in the application and adding your full name in the beneficiary field.
How are profits calculated in the event of early repayment? What is the payment method?
The amount of the remaining financing plus the profits of the next three months Early repayment is done through the Tamam application, and the calculation is done automatically.
Can I pay part of the installment?
You can make partial payment after agreement with the collection department, then you can pay through your IBAN registered in the application.
Can I pay if I’m outside the Kingdom?
You can pay by transferring to your unique IBAN shown in your contract.
Let’s get in touch

Contact us

We’d love to hear from you.

Mail
Office Hours Sunday - Thursday
9:00 am to 5:00 pm