Jarir Installment Options Without Credit Card

By Mohammed Ameen

Updated on:

jarir installment without credit card

Jarir Buy Now & Pay Later Installment Service

Are you looking to make purchases at Jarir Bookstore but don’t have a credit card? Good news! Jarir Bookstore in Saudi Arabia now offers a convenient way to buy your favorite items with installment plans, and the best part is – you don’t need a credit card. They have partnered with three service providers – Tamara, Quara Finance, and Emkan Finance – to make shopping more accessible and budget-friendly. Here’s a simple guide to understanding these new services.


How it Works

  1. Shop at Jarir: Choose your items on Jarir.com and select Tamara at checkout, or ask the cashier to use Tamara for in-store purchases.
  2. Check Eligibility: Tamara will asses your eligibility at the payment stage.
  3. Payment Details: The minimum loan value is SAR 200, and the maximum is SAR 4,000. If your purchase exceeds SR 4,000, you can pay the remainder with any other payment method.
  4. Down Payment: You will need to pay 1/4 of the amount as a down payment (for example, if you purchase worth SAR 1,000, the down payment will be SAR 250)
  5. Service Charge: A fee applies from SAR 19 to SAR 239 when using Tamara, depending on the invoice value.
  6. Eligibility: Customers below 18 are not eligible, while those aged 18-21 can avail of loans up to SR 1,500 and above 21 up to SR 4,000.

Key Conditions

  • A registered mobile number with Absher is necessary.
  • Clear any overdue payments with Tamara.
  • Settle prior commitments with banks or telecom companies.
  • Service charges apply (non-refundable after 48 hours or once the order is dispatched).

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Quara Finance

With Quara Finance, you can avail of installment services for invoices ranging from SAR 2,500 to SR 30,000. The tenures for installment plans vary from 6 to 36 months, with a profit margin of 1.85% per month. Remember, the application is valid for 10 days from activation, and items bought on installment cannot be returned for cash but are subject to Jarir’s return and exchange policy.

Emkan Finance

Emkan Finance offers installment services for invoices between SR 1,500 and SR 20,000. Like Quara Finance, the tenures vary from 3 to 36 months. Customers can use an Emkan voucher on Jarir.com and must note that these vouchers are for one-time use and are non-refundable in cash. The profit margin for Emkan Finance is slightly lower at 1.75% per month. Additionally, in case of order cancellation or product return, the refund amount will be credited to your Jarir online account or as a Jarir E-Gift Card.


Jarir Bookstore’s installment services without the need for a credit card open up new avenues for customers to shop conveniently and manage their finances better. Whether it’s for educational materials, gadgets, or any other product, these services ensure you can get what you need when you need it without immediate financial strain. Happy shopping at Jarir!