# Tamara \| Own your Dream — Pay in up to 24, No late fees > Financial super-app for flexible, secure, and Sharia-compliant shopping payments. (iPhone/iPad app by Tamara FZE.) - Source: https://appshunter.io/ios/app/tamara-own-your-dream/id1533512531 (this page in markdown: same URL + `.md`) - Developer: [Tamara FZE](https://appshunter.io/developer/1533512533) - Category: Finance, Shopping - Price: Free - Rating: 4.70/5 from 58,647 App Store ratings · 413 written reviews indexed - Age rating: 4+ - Requires: iOS 15.0 · 211 MB - Languages: American English - Released: 2021-03-21 - Data updated: 2026-09-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/tamara-own-your-dream/id1533512531/reviews.md ## What is Tamara | Own your Dream? Tamara is the leading fintech platform in Saudi Arabia and the wider GCC region, with a mission to help people own their dreams by building the most customer-centric financial super-app on earth. The company serves more than 20 million customers in the region and partners with leading global and regional brands such as Apple, SHEIN, Jarir, noon, IKEA, and Amazon, as well as small and medium businesses. Tamara is backed by Sanabil Investments, a wholly owned company by the Public Investment Fund (PIF), SNB Capital, amongst others. Why Choose Tamara? Flexible Payment Plans: Pay in 3, 4, or up to 12 months across shopping, travel, healthcare, education, and everyday lifestyle services. No Late Fees: What you see is exactly what you pay, no hidden costs, no penalties. Exclusive Deals: Unlock exclusive discounts and special offers on top services, stores, and travel. Instant Pre-Approved Limit: Know your spending power upfront so you can manage big expenses and daily purchases with confidence. Discover Nearby Stores: Use the interactive in-app map to find local stores, clinics, and partners near you that accept Tamara. How It Works 1. Explore: Discover thousands of partner stores, clinics, travel services, and schools directly in the Shop tab or on the interactive map. 2. Select Tamara: Choose Tamara at checkout online, in-store, or directly inside the app. 3. Pay at Your Pace: Pick the payment plan that suits your budget and track all your upcoming payments easily in one place. Own your dream and download the Tamara App now! ## Key features - Pay in installments or in full - Sign up in minutes - Shop at thousands of partners - Exclusive deals and discounts - Cashback and rewards program - Buyer protection - Discover nearby stores ## What do users think of Tamara | Own your Dream? Overall sentiment: negative **Pros** - 👍 Easy to use - 💡 Helpful payment splitting - 🚀 Smooth and fast transactions - 🙏 Excellent customer service **Cons** - 🐛 Unreliable payment processing - 🤬 Terrible customer support - ❌ Unauthorized charges - ⚠️ Limited availability in certain regions **Commonly reported bugs** - App crashes frequently - Payment method issues **Most requested features** - Longer payment plan options - Expand to more countries and stores ## Recent user reviews (10 of 413) All indexed reviews: https://appshunter.io/ios/app/tamara-own-your-dream/id1533512531/reviews.md ### 5/5 — Tamara *2026-09-03, version 6.16.0* Tamara is tha best 💜 ### 1/5 — Processing fees *2026-08-28, version 6.16.0* Processing fees ### 5/5 — شكر وعرفان *2026-07-06, version 6.12.0* السلام عليكم ورحمة الله وبركاته بعد التحيه لكم الافضل بعد الله من مساعدتكم لنا ولا المسلمين ان شاءلله اشوفك من اعلى الي اعلى 🙏🏻💚💚💚💚💚💚💚💚 ### 1/5 — EXTRA CHARGE WITHOUT NOTICE *2026-06-29, version 6.12.0* beware of this app, they add extra amount on your purchases even without notice.and when you raise complaint they will not refund the amount. ### 1/5 — مجموع الدفعات *2026-06-28, version 6.12.0* في التحديث الجديد لا يظهر مجموع الدفعات كامله ### 1/5 — سيء *2026-06-27, version 6.12.0* اخر دفعة رفض يظهرها لي بالتطبيق ### 1/5 — … *2026-06-26, version 6.12.0* التطبيق يعلق ولا اقدر اسدد ولافيه خدمة عملاء ولايردون ### 5/5 — Amazing *2026-06-22, version 6.11.4* I recommend Tamara for everyone who wants to buy now pay later. The app gives you a very easy and convenient options starting from one month up to 4 months to pay. Also payment options and navigating to process the first payment are too easy to do while you’re purchasing. ### 1/5 — خدمة سيئ *2026-06-18, version 6.11.2* ‏ سيئ ### 5/5 — ممتازة *2026-06-07, version 6.10.0* جدا ممتازه ## Frequently asked questions about Tamara | Own your Dream ### What does Tamara do? Tamara is a financial super-app that provides users with flexible payment options for their purchases. It allows you to shop now and pay later, either by splitting your payment into installments or paying in full. The app aims to give users more control over their finances and their shopping experience. ### How does the installment payment work? You can choose to pay for your purchases in installments, with options to split payments into 4 or more. This feature is available at thousands of partner stores, both online and in-store. The app emphasizes no late fees, ever, making it a predictable way to manage your spending. ### Is there a cost to use Tamara? Based on the provided information, the app is free to download and use. There are no late fees associated with installment payments. The app also offers a SMART membership program which provides perks like cashback and rewards, suggesting potential value-added benefits. ### What are the benefits of using Tamara? Tamara offers several benefits, including the freedom to shop your way with flexible payment options, secure and Sharia-compliant transactions, and exclusive deals and discounts. The SMART membership program further enhances the experience with cashback, buyer protection, and priority support. ### Where can I use Tamara? You can use Tamara at thousands of partner stores online and in-store across various categories like fashion, beauty, electronics, travel, and furniture. The app also features a tool to discover stores near you that accept Tamara, making it convenient for in-person shopping. ## Version history (last 5 releases) ### 6.17.0 — 2026-09-04 Bug fixes and performance improvements to make your experience smoother and more reliable. ### 6.16.0 — 2026-08-18 Meet your new Tamara experience. Enjoy a simpler interface, bold new design and the same seamless Tamara shopping experience you love. ### 6.15.0 — 2026-08-05 Meet your new Tamara experience. Enjoy a simpler interface, bold new design and the same seamless Tamara shopping experience you love. ### 6.14.0 — 2026-07-23 Meet your new Tamara experience. Enjoy a simpler interface, bold new design and the same seamless Tamara shopping experience you love. ### 6.13.2 — 2026-07-17 Meet your new Tamara experience. Enjoy a simpler interface, bold new design and the same seamless Tamara shopping experience you love. ## Apps similar to Tamara | Own your Dream | App | Rating | Price | Category | | --- | --- | --- | --- | | [Tabby: Send, spend and save](https://appshunter.io/ios/app/tabby-send-spend-and-save/id1528022364) | 4.8 (84,444) | Free | Finance | | [Klarna: Smarter everyday money](https://appshunter.io/ios/app/klarna-smarter-everyday-money/id1115120118) | 4.9 (2,365,319) | Free | Finance | | [PayPal - Pay, Send, Save](https://appshunter.io/ios/app/paypal-pay-send-save/id283646709) | 4.8 (6,298,477) | Free | Finance | | [Klover - Instant Cash Advance](https://appshunter.io/ios/app/klover-instant-cash-advance/id1471211372) | 4.8 (375,718) | Free | Finance | | [Perpay - Shop and Build Credit](https://appshunter.io/ios/app/perpay-shop-and-build-credit/id1421276642) | 4.9 (15,501) | Free | Finance | | [Beem: Cash Advance & Banking](https://appshunter.io/ios/app/beem-cash-advance-and-banking/id1525101476) | 4.2 (32,000) | Free | Finance | ## More apps by Tamara FZE - [Tamara Business](https://appshunter.io/ios/app/tamara-business/id1595992375) All apps by Tamara FZE: https://appshunter.io/developer/1533512533 ## Related topics [laybuy](https://appshunter.io/ios/topics/laybuy) · [tamara](https://appshunter.io/ios/topics/tamara) · [monthly payment plan](https://appshunter.io/ios/topics/monthly-payment-plan) · [buy now pay later in store](https://appshunter.io/ios/topics/buy-now-pay-later-in-store) · [pay later anywhere](https://appshunter.io/ios/topics/pay-later-anywhere) · [pay in 4 anywhere](https://appshunter.io/ios/topics/pay-in-4-anywhere) · [pay in installments](https://appshunter.io/ios/topics/pay-in-installments) · [pay in payments](https://appshunter.io/ios/topics/pay-in-payments) · [pay installments](https://appshunter.io/ios/topics/pay-installments) · [pay in 4 amazon](https://appshunter.io/ios/topics/pay-in-4-amazon) · [installment pay](https://appshunter.io/ios/topics/installment-pay) · [thamara](https://appshunter.io/ios/topics/thamara) · [تمارا](https://appshunter.io/ios/topics/تمارا) · [tamera](https://appshunter.io/ios/topics/tamera) · [tamara \| shop now pay later](https://appshunter.io/ios/topics/tamara-shop-now-pay-later) · [tamara fze](https://appshunter.io/ios/topics/tamara-fze) · [bnpl](https://appshunter.io/ios/topics/bnpl) · [tabby](https://appshunter.io/ios/topics/tabby) · [tamweel aloula](https://appshunter.io/ios/topics/tamweel-aloula) · [bamis pay](https://appshunter.io/ios/topics/bamis-pay) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-10.*