Tamara vs Zilch

Tamara is a payment solution that lets shoppers split purchases into installments at participating stores. It supports online and in-store checkout at most stores across Saudi Arabia and the UAE, and its listed consumer regions also include Kuwait and Bahrain. Repayment periods include 3, 4, 6, 9, 12, and 24 months. Pay in 3 is free for three equal monthly payments at 0% APR, subject to eligibility and the merchant’s offer. The stated maximum spending limit is SAR 50,000, subject to merchant availability, credit score, and payment history. Tamara says missed payments do not incur late fees, though repeated delays may suspend an account and affect credit score. Exclusive Deals may apply automatically at checkout or through promo codes. For merchants, Tamara Business offers online, in-store, and QR payment options, saved cards, Mada, Apple Pay, and one-click checkout. Merchants are paid upfront when customers split purchases into installments. Integrations include Shopify, WooCommerce, Magento, Salla, Zid, Salesforce Commerce Cloud, Paymob, OpenCart, ExpandCart, Geidea, and Network International. The service is available on web, iOS, and Android.

Zilch is a consumer payment app and card offering ways to pay, Rewards and credit. Customers can pay immediately, spread payments over six weeks or pay over three months, subject to eligibility and fees; listed repayment terms also include six and 12 months. Zilch advertises credit from £50 to £4,500, subject to status. Its app works wherever Mastercard is accepted, and customers can add it to Apple Pay or Google Pay. Rewards can be earned on Pay now purchases and used toward purchases. Standard is free, offers up to 5% Rewards in-app and has a £4.99 card fee. Extra costs £2.99 per month and includes a physical card; Plus costs £4.99 per month, includes a physical card and lists different Rewards rates by purchase type. Eligible Extra or Plus customers may borrow up to £100 through Advance for a £3 processing fee; eligibility requires connecting a bank account. Zilch is available on Android, iOS and web. It says credit is for UK residents aged 18 or over and subject to status.