Buy Now Pay Later records from Tabby and Tamara will enter UAE credit reports from July 2026, changing how lenders read the finances of people who split payments into instalments, WAM announced today. Etihad Credit Bureau, the federal body that oversees credit information in the country, said the accounts of both current and new customers will be covered, along with relevant historical transactions. The move brings a fast-growing corner of consumer finance under the same reporting rules that already apply to loans, cards, and mortgages.
Buy Now Pay Later plans once sat outside the formal record. A shopper could hold several active instalments without any of them showing on a UAE credit report. That gap made it harder for banks to gauge how much a borrower owed. Now the picture becomes fuller.
Who governs the data?
The question behind this shift is not only about spending. It is about who holds the record and who answers for it. Etihad Credit Bureau sits at that centre, and its decision places two of the region’s largest fintech names, Tabby and Tamara, inside a regulated framework rather than beside it.
The Central Bank of the UAE recognised instalment schemes as a form of short-term credit in 2023. Under those rules, providers must check a borrower’s credit report once a total credit limit passes 5,000 dirhams. Late fees on these plans are capped at 30 percent of the purchase under central bank rules, and the plans carry no interest. Adding instalment data to the file makes that check sharper. Lenders and authorised entities can weigh a person’s full set of commitments before they approve more.
Marwan Ahmad Lutfi, Director General of Etihad Credit Bureau, said the Bureau wants credit reports to reflect the way consumer finance now works, with a broad view of what a person owes. His framing puts governance first. Better data, he argued, supports steadier decisions across the system.
Does BNPL affect credit score?
A common question among shoppers, does BNPL affect credit score, now has a firmer answer. Missed instalments could lower a score, while steady repayment could help build one. The UAE credit score runs from 300 to 900, and the report behind it is what lenders read to explain the number.
Hosam Arab, CEO and Co-founder of Tabby, said responsible lending starts with a clear view of a person’s money, and that customers who pay on time can now let that record count toward their wider standing. Sagar Shah, General Manager for Tamara in the UAE, tied the step to trust, saying it widens the door for more people to take part in the financial system.
What it means for the BNPL UAE market
The buy now pay later UAE market has expanded quickly as shoppers reach for interest-free instalments on everyday purchases. Bringing that activity into the credit file rewards discipline and exposes strain earlier. For new-to-credit customers, a clean instalment history can open a path toward loans and cards that once stayed out of reach.
Etihad Credit Bureau framed the addition as part of a longer effort to work with banks, fintech firms, and other data providers. The aim, in its account, is a credit system that sees more and misses less.
