A free program for Android, by Tadawul Academy FZE.

Dirhami is a completely hassle-free online shopping app that lets you shop and pay in equal installments without paying interest or hidden fees.

We also offer discounts on a variety of products and services, from fashion to travel to home and garden to health and beauty.

To get started, simply download the app and create an account. We’ll then ask you a few questions to determine your credit score and loan eligibility.

From there, we’ll send you an offer in the form of a loan with a specific repayment period. The amount we loan you will be determined by your credit score, loan repayment history, and credit profile.