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.
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.
Yes, Tamam products are Sharia-compliant.
We currently offer consumer microfinance, and digital installments through Tamam partners.
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- Contacting customer service via the toll-free number 8001010999
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Contact us on the toll-free number 8001010999
Download Tamam application and complete the online registration. Based on your eligibility, you will be able to request 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.
Yes, you can apply if you meet the conditions.
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.
Yes, our financing services are available to Saudis and residents.
A sponsor is not required.
Tamam's internal credit policy will determine whether or not you can obtain financing.
After completing the online registration process and starting the loan application, customers eligibility will instantly be calculated
You can enter Tamam application to check if you are eligible for the loan.
Please review it with the business department (AR-EN)
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.
Interest rates vary depending on your salary, work history, and current bank obligations.
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
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.
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
In the event that the conditions are not met, the application will be rejected based on the product policy.
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.
Customer eligibility depends on a large number of factors such as your income, SIMAH score, debt burden ratio, and more.
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...)
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
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
All transactions are calculated automatically at the end of a working day and are reflected in the system automatically.
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
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.
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.
The financing amount is deposited instantly after the cash-out.
You can view the contract by logging into the TAMAM application.
You can request a clearance letter through the App, and the request will be processed within 1 working day.
You can request a rescheduling by sending an email to Support@tamam.life to verify your eligibility for rescheduling.
Please review it with customer care department (AR-EN).
Job data is updated automatically.
The national address is automatically updated after updating it in the SPL platform.
The account has been suspended for your protection and safety, the verification will be done within 3 working days.
To remove the suspension from the account, please contact customer service through the toll-free number 8001010999.
Please contact us via TAMAM's official channels urgently so that we can secure the account.
You will receive a verification call within 3 business days.
The customer can raise a request to cancel the financing request regardless of the suspension or activation of the account.
Kindly make sure that your ID is updated
Someone has registered using this ID number and verified it with Absher.
If you receive an error message indicating a problem with the application, you can follow these steps:
- Update the application to the latest available version as the issue may have been fixed in the new version.
- Restart the application and try accessing the service again.
- 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.
You can change the mobile number through the Tamam application:
- Settings
- Change the mobile number
The mobile number must be linked to the account holder's name.
Please make sure you are using your Saudi primary phone number registered with Absher and linked to your national ID
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
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
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.
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