Updated September 28, 2026 · BorrowCue Editorial Team
Addi vs Tamara
Addi vs Tamara: the differences
| Compare |  Addi |  Tamara |
|---|---|---|
| APR | 0% to 29.14% | 0% |
| Term | 1 to 6 months | 3 to 24 monthsHigher |
| Arrangement fee | 0 COP (no handling fee) | SAR 0 (Pay in 3) |
| Loan types | BNPL, Credit lineCovers more | BNPL |
| Loan amount | Not confirmed | up to SAR 50,000 |
| Funding time | Credit applied for in minutes; the purchase is paid directly to the merchant at checkout | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Not confirmed | 18+ and citizen or resident of Saudi Arabia, UAE or Kuwait; 21+ and citizen of Bahrain |
Same on both: Credit check (Hard), Lender type (Direct lender).
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Key differences
- Tamara scores higher overall: 9.4 vs 9.3.
- Tamara is available in 3 more countries.
- Term is higher at Tamara: 3 to 24 months vs 1 to 6 months.
- Support channels: only Addi offers Community.
- Loan types: only Addi offers Credit line.
Our verdict on each
Addi
Addi suits Colombian shoppers who want a credit line or pay-later plan at checkout rather than a cash loan. The costs are modest: fees of 0 COP (no handling fee) and an annual rate of 0% to 29.14%, with borrowing that a hard credit check sits behind.
Tamara
Tamara suits Gulf shoppers who want to split a purchase and pay nothing in interest. Its APR of 0% and an origination fee of SAR 0 (Pay in 3) make it the cheapest of these brands, while a hard credit check and a 3 to 24 term window keep it a short commitment.
Score breakdown
| Area | Addi | Tamara |
|---|---|---|
| Cost | 9.5 | 9.9HigherAPR of 0% and an origination fee of SAR 0 (Pay in 3) on the interest free plan, against 9.5% to 3,696% at Solcredito MX. |
| Offer | 9.0Higher | 8.8 |
| Trust | 9.2 | 9.2 |
Ranges side by side
| Fact | Addi | Tamara |
|---|---|---|
| Term | 1 to 6 months | 3 to 24 months |
What we checked
Addi
- co.addi.com: 14 facts, checked September 26, 2026
Tamara
- tamara.co: 11 facts, checked September 26, 2026
How they place
| Ranking | Addi | Tamara |
|---|---|---|
| Buy now, pay later | 12 of 88 | 10 of 88 |
Every fact side by side
| Fact | Addi | Tamara |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Not confirmed |
| Legal entity | Adelante Soluciones Financieras S.A.S. | Tamara Finance Company |
| Headquarters | Colombia | Saudi Arabia |
| Support channels | Email, Phone, Help centre, CommunityCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Addi | Tamara | Median |
|---|---|---|---|
| APR | 0% to 29.14%lowest quarter | 0%lowest quarter | 8.99 |
| Term | 1 to 6 monthslowest quarter | 3 to 24 monthslowest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Addi
Pros
- The purchase is paid straight to the merchant at checkout, so credit is applied for in minutes
- Fees of 0 COP (no handling fee), so there is no handling charge on the credit or the line
- Fixed rates, with a fixed structure rather than a variable one
Cons
- The application runs a hard credit check, so a declined application shows on the credit file
- Repayment terms run 1 to 6, which is short for anyone wanting a longer period
- The top of the annual rate range is high at 0% to 29.14%, so cost varies sharply with the borrower
Tamara
Pros
- APR of 0%, against 9.5% to 3,696% at Solcredito MX
- An origination fee of SAR 0 (Pay in 3) on the interest free plan
- Licensed by the Saudi Central Bank (SAMA) under 95/A Sh/202502
Cons
- The credit check is hard, so any application is recorded on the file
- Terms run 3 to 24, so a long repayment window is not offered
- Buy now pay later is the only product listed under bnpl, with no consolidation or credit line
Who each suits
Addi
Who it suits
- Colombian shoppers splitting a purchase at checkout rather than taking a cash loan
- People who want a reusable credit line open alongside a pay-later plan
- Borrowers with a good credit file who pass a hard check and settle early
Who should look elsewhere
- Anyone who needs money paid into a bank account, as the purchase is paid to the merchant at checkout
- Borrowers who need a longer repayment period than 1 to 6
- People who cannot pass a hard credit check
Tamara
Who it suits
- Adults who are citizens or residents of Saudi Arabia, the UAE or Kuwait, and adult citizens of Bahrain, splitting a purchase at a merchant
- Readers who want a regulated direct lender with nothing charged in interest on the short plan
- Shoppers with a larger basket in mind, since amounts reach up to SAR 50,000
Who should look elsewhere
- Readers who need a debt consolidation loan or a credit line, since buy now pay later is the only product under bnpl
- Anyone who wants a soft prequalification rather than a hard credit check, or who lives outside the Gulf markets Tamara serves
- Borrowers after a small personal loan, where Kviku's ceiling of up to €2,000 is a better fit, or a much larger one, where Oney Préstamos ES runs to €1,000 to €45,000
Current offers
Addi
Current offer
Bonus
Minuto Ganador 2026: Bonus worth 100% of your purchase
Request your Cupo and buy in installments; every 5 minutes there is a winner
Source, checked September 26, 2026
Bonus
0% interest in up to 3 installments: 0% interest for eligible customers
Subject to transaction eligibility criteria set out in the 0% interest T&C
Source, checked September 26, 2026
Tamara
Current offer
First period offer
Tamara Smart free first month: Free for the first month, then 19 SAR monthly
Tamara Smart membership subscription; pays 19 SAR monthly afterwards
Source, checked September 26, 2026
Country by country
| Country | Addi | Tamara |
|---|---|---|
| Bahrain | No | Yes |
| Colombia | Yes | No |
| Kuwait | No | Yes |
| Saudi Arabia | No | Yes |
| United Arab Emirates | No | Yes |
Questions about each
Addi
What does Addi cost to borrow?+
The published annual rate runs 0% to 29.14%, and there is a handling fee of 0 COP (no handling fee). Rates are fixed, so the cost of a plan does not drift while the balance is open. Early repayment carries no charge, which means settling sooner reduces the amount paid overall.
Is there a fee for opening a credit line?+
No handling fee applies: 0 COP (no handling fee) is what is listed for the credit and the line. The ongoing cost is interest, set on a fixed basis rather than a variable one, so the rate quoted at the start holds for the life of the plan.
Tamara
What does it cost to split a purchase with Tamara?+
The APR is 0% on the interest free plan, so nothing accrues on the balance. The origination fee is SAR 0 (Pay in 3) on that same plan, which means there is no separate setup charge either. Solcredito MX, by contrast, charges an APR of 9.5% to 3,696%.
Is Tamara regulated?+
Yes. In Saudi Arabia the lender is licensed by the Saudi Central Bank (SAMA), and the licence number is 95/A Sh/202502. The contracting entity is Tamara Finance Company, which is headquartered in Saudi Arabia and lends its own money rather than passing borrowers on.