If you are planning to apply for a personal loan, car finance, home financing, or even a new credit card in Saudi Arabia, checking your credit score beforehand can help you better understand your financial standing.
The easiest way to access your credit information is through the MOLIM app, the official consumer platform of the Saudi Credit Bureau (SIMAH).
How to Register for a MOLIM Account
If you do not already have a MOLIM account, follow these simple steps:
- Download the MOLIM app from the Apple App Store or Google Play Store.
- Open the app and click Register.
- Enter your Iqama number (or National ID for Saudi citizens).
- Complete your identity verification using the Nafath app.
- Once your identity is verified, your MOLIM account will be activated.
Free Trial for New Users
New users are generally eligible for a limited free trial after registering a MOLIM account. During this period, you can explore the platform and access your credit information.
After the trial ends, you will need to subscribe to one of the available MOLIM packages to continue accessing your credit score and credit reports.
Users can choose the package that best suits their needs, whether they require:
- A single credit report, or
- Multiple reports and monitoring services over a selected subscription period.
What You Can Check
Through the MOLIM app, you can access information such as:
- Your credit score
- Credit report
- Active loans and financing
- Credit cards
- Outstanding balances
- Payment history
- Credit inquiries made by banks and finance companies
Why Your Credit Score Matters
Banks and finance companies in Saudi Arabia often review your SIMAH credit record when assessing applications for loans, financing, and credit cards.
Maintaining timely repayments, avoiding missed installments, and keeping your credit obligations under control can help improve your credit profile over time.
Checking your credit report regularly also allows you to monitor your financial record and identify any inaccuracies that may need to be reported.