Tabby review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Tabby splits an online purchase into instalments at 0%, and it ranks at position 1 on APR among 350 brands listed here. It suits shoppers who want a decision at checkout and a plan they can clear early at no cost, not borrowers chasing a large lump sum or a flexible revolving line.

Key facts

Best for
Paying nothing in interest to spread an online basket over a few short months.
APR
0% (Source, checked September 26, 2026)
Loan amount
from AED 100 (Source, checked September 26, 2026)
Term
4 to 12 months (Source, checked September 26, 2026)
Arrangement fee
0 AED (Source, checked September 26, 2026)
Funding time
Instant approval at checkout, payment link in seconds (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
At least 18 years old, valid National ID, a linked debit/credit card and a good credit history (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
BNPL, Credit-line (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Legal entity
Tabby LLC (Source, checked September 26, 2026)
Support channels
Email, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
tabby.ai

Apps and profiles

Elsewhere
LinkedInX

Pros and cons

Pros

  • Interest of 0% with an origination fee of 0 AED, so the credit itself costs nothing.
  • Terms run 4 to 12, short enough to clear without dragging on.
  • Instant approval at checkout, payment link in seconds, so the decision lands while you are still shopping.
  • Free early repayment, and a credit line runs alongside the instalment plan.

Cons

  • The credit bar is good, which rules out applicants with a thin credit history.
  • Support runs on email, chat and help centre, so a phone call is not part of the service.
  • The smallest plan is from AED 100, which suits everyday baskets rather than a large bill.
Tabby

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Scored 9.3 / 10 by BorrowCue.

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Who it suits

  • Shoppers who want to pay nothing in interest and clear the plan quickly over 4 to 12.
  • Card holders in the UAE with a good credit history who want a decision at checkout.
  • Anyone comfortable tying the plan to a linked debit or credit card.

Who should look elsewhere

  • Cashspace, with APR of PHP 12 to PHP 36, if you want a priced loan rather than interest-free instalments.
  • Plazo ES, where APR sits at 24.19%, if you expect to pay for the credit.
  • Vivus ES, with APR of 0% to 3,752.4%, if you are comfortable with a much wider rate range.

How your money is protected

Tabby lends directly instead of routing a borrower through a third party, so direct lender keeps the agreement, the balance and every instalment with the same counterparty. The licence on record is the Central Bank of the UAE, which is the body to check for the rules that apply to the account you open.

The company behind it

The counterparty is Tabby LLC, which handles the shopping account and the instalment plan itself. Support runs on email, chat and help centre, so a card or payment problem goes to email, live chat or the help centre rather than a branch.

How Tabby compares

Where Tabby is available

Available
United Arab Emirates
Licence in United Arab Emirates
Central Bank of the UAE, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a Tabby instalment plan cost?+

The pay later plan is priced at 0%, the origination charge is 0 AED, and the percentage charge on the same product is 0%. Splitting a basket therefore adds no borrowing cost, so the only price that matters is the goods themselves.

How long do I have to clear the plan?+

Terms run 4 to 12, and the rate type is fixed, modelled as fixed rate. The instalment is set when the plan is created at checkout and stays predictable through to the last payment, with no period added on later.

How much can I spend on a Tabby plan?+

The amount is from AED 100, which suits everyday shopping rather than a major expense. The product list is bnpl and credit line, so the money is applied to goods at checkout instead of being paid out as a cash advance.

Who can apply for a Tabby plan?+

Eligibility asks for adults at a minimum age with a valid National ID, a linked debit or credit card and a good credit history. The stated credit bar is good, so a thin credit file is unlikely to clear the check.

How fast is the decision and the setup?+

Instant approval at checkout, payment link in seconds, so the decision and the payment link both arrive while you are still at the checkout. Nothing in the flow depends on posting documents or waiting for a separate application to be processed.

Is Tabby a lender or a broker?+

Tabby is a direct lender, so you deal with the same company from approval through to the final instalment rather than being passed to a panel of lenders. The licence on record is the Central Bank of the UAE, and the plan is priced as fixed.

How do I get help with a plan?+

The counterparty is Tabby LLC, and support runs on email, chat and help centre. That means chat, email or the help centre for questions about a payment, a card detail or a plan you have already set up.

Sources

  • tabby.ai checked September 26, 2026

    Backs: Legal entity, Lender type, Licences

    “Pay Later and Tabby Card (Short Term Credit) is provided by Tabby LLC.”

  • tabby.ai/pay-in-4 checked September 26, 2026

    Backs: Features, Free early repayment, Arrangement fee, Rate type

    “Use your Tabby Card anywhere that accepts Visa with up to 40 days to pay.”

  • tabby.ai/pay-later checked September 26, 2026

    Backs: APR, Credit needed, Eligibility, Funding time, Loan types, Origination fee (%), Term

    “Get what you need today and split the purchase into 4 payments. No interest or fees.”

  • tabby.ai/pay-over-time checked September 26, 2026

    Backs: Loan amount, Pricing model, Support channels

    “Longer financing plans are available for purchases of AED 100 or more.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check, Representative example.

Tabby

Tabby

Paying nothing in interest to spread an online basket over a few short months.

9.3/10See alternatives

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