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Pay in four.
Six weeks. No interest.
Yusr Later splits any purchase over SAR 200 into four equal payments, two weeks apart. You pay the first one at checkout and the rest come out of your Yusr Current account automatically. The price you saw is the price you pay.
Available to Yusr Current customers aged 18 and over who pass an eligibility check. Approval is not guaranteed. Yusr Later is provided by Taysir Finance Company, licensed by the Saudi Central Bank.
Split this purchase
SAR 1,200.00
Home Centre · Riyadh Park
4 payments of SAR 300
No interest. No fees. Six weeks.
Schedule
Today
Paid at checkout
16 August
Auto-debit · ····4471
30 August
Auto-debit · ····4471
13 September
Final payment
Total you'll pay
SAR 1,200.00 — same as the sticker price
SAR 200
Minimum purchase to split
4
Equal payments, two weeks apart
0%
Interest, and no fees of any kind
6 weeks
From first payment to last
How it works
Four steps, and three of them happen without you
Split at the till or split afterwards. Either way the schedule is fixed the moment you confirm it.
01
Check your limit
Open Yusr Later in the app and tap Check eligibility. You'll see your available limit in under a minute, before you go shopping.
02
Pay the first quarter
Choose Split at checkout, or tap any eligible purchase from the last 72 hours and split it after the fact. A quarter comes out straight away.
03
We collect the rest
Three payments, one every fourteen days, taken automatically from your Yusr Current account. We remind you two days before each one.
04
Done in six weeks
The plan closes itself. Want it gone sooner? Pay the balance off early from the plan screen at no extra cost.
A real example
A SAR 1,200 sofa, paid as four times SAR 300
You buy a sofa on 2 August for SAR 1,200. You pay SAR 300 in the shop. The next three payments come out on the 16th, the 30th and the 13th of September.
Six weeks later you've paid SAR 1,200 in total. Not SAR 1,240, not SAR 1,260. There is no arrangement fee, no admin fee, no interest and no charge for paying early. If the sofa goes back, the plan unwinds with it.
Read the common questions| Payment | Date | Amount | Balance left |
|---|---|---|---|
| 1 of 4 · at checkout | 2 Aug 2026 | SAR 300.00 | SAR 900.00 |
| 2 of 4 | 16 Aug 2026 | SAR 300.00 | SAR 600.00 |
| 3 of 4 | 30 Aug 2026 | SAR 300.00 | SAR 300.00 |
| 4 of 4 · final | 13 Sep 2026 | SAR 300.00 | SAR 0.00 |
| Total | 6 weeks | SAR 1,200.00 | — |
Where it works
Two ways to split
Limits and eligibility are the same either way. Only the moment you choose to split changes.
Anywhere your Yusr Card works
Pay with the card as normal — in a shop, online, or with the card in your phone wallet. When the purchase lands in your feed it gets a Split button next to it for 72 hours. Tap it and the schedule starts from that day.
- Works with mada, and with online purchases on the international rails
- Nothing to tell the cashier, and the merchant is paid in full immediately
- Fuel, cash withdrawals, transfers and government payments can't be split
At a partner merchant, at checkout
Around 4,200 stores and online shops in the Kingdom show Yusr Later as a payment option. Pick it, confirm the plan in the app, and you're done — the four payments are agreed before you leave the checkout.
- Furniture and home, electronics, fashion, eyewear, travel and clinics
- The split is shown on the merchant's page, so you see it before you commit
- Partner list lives in the app under Yusr Later › Where to use
Eligibility
Who can use Yusr Later
Everyone starts with a check. It runs inside the app, takes under a minute, and tells you exactly what you can spend before you spend it.
You're 18 or over, resident in the Kingdom, with a valid national ID or Iqama.
You've had a Yusr Current account for at least 30 days and it's in good standing.
Regular money coming into the account, so the payments have something to come out of.
No missed payments on an existing Yusr Later plan.
Starting limits are usually between SAR 1,000 and SAR 5,000, with a maximum of SAR 8,000 across all your open plans and up to four plans running at once. Limits are reviewed as you go, and can go down as well as up.
What happens when you tap "Check eligibility"
Yusr Later is provided in partnership with Taysir Finance Company, a finance company licensed by the Saudi Central Bank. When you apply, your application and your identity details are shared with Taysir, who carry out their own affordability assessment and decide whether to approve you and for how much.
That assessment includes a check of your credit record with the national credit bureau, SIMAH, along with how you've run your Yusr account. You'll see the outcome in the app the same minute, and your limit sits on the Yusr Later screen from then on.
If you're not approved, nothing changes on your account and you can ask again after 60 days. We'll tell you the main reason in the app.
Not available for
Cash withdrawals, transfers to other people, wallet top-ups, fuel, government fees, gift cards, gambling-adjacent merchants, and anything under SAR 200. Business accounts aren't eligible.
If a payment misses
We'd rather sort it than charge you
There is no late fee on Yusr Later. Not a reduced one, not a capped one. If a payment doesn't go through, here's exactly what follows.
Talk to someone about a planDay 0 — we try again
If the balance isn't there on the due date, we retry the same evening and again the next morning, and send you a notification each time so nothing happens quietly.
Day 3 — the plan pauses
You can't open new plans while a payment is outstanding, and your available limit is held. Existing plans carry on as scheduled. You can pay the missed amount from the plan screen at any point.
Day 30 — it goes on your record
An amount still unpaid after 30 days is reported to the national credit bureau by Taysir Finance Company, which can affect finance you apply for elsewhere. Call us before it gets there — arrangements are easier early.
Borrow carefully
Splitting a payment doesn't make it smaller
SAR 1,200 spread over six weeks is still SAR 1,200. Four small numbers feel easier than one big one, and that's exactly the thing to watch.
We cap plans at four at a time for a reason. Before you split something, add up what's already due in the next six weeks and ask whether the answer would be comfortable in a bad month, not a good one. If it wouldn't, don't split it.
Three habits worth keeping
- Check Upcoming payments in the app before every new split, not after.
- Keep the total of your open plans under a quarter of what comes in each month.
- If money is tight this month, pay a plan off early rather than starting another.
Struggling with repayments?
Tell us early. Our team can pause collection attempts while we look at the plan with you, and there's no charge for asking. Call 8001 24 24 24 or use in-app chat, any hour of any day.
Questions
Yusr Later, answered
No. There's no interest, no arrangement fee, no monthly fee, no late fee and no charge for settling early. You pay the purchase price, divided by four. Merchants pay us a fee for offering the option, which is how the product works.
SAR 200 is the minimum. The maximum for a single purchase is your available limit, up to SAR 5,000. Across every open plan you can hold up to SAR 8,000 and up to four plans at once.
Your limit is set when you're approved and reviewed periodically after that. It can be reduced, including to zero, if the way your account is running changes.
Taysir Finance Company, a separate finance company licensed by the Saudi Central Bank. Yusr arranges Yusr Later and runs it inside the app; the agreement for each plan is between you and Taysir. You'll see the full terms in the app before you confirm your first plan.
Yes. Eligibility involves a check of your credit record with SIMAH, the national credit bureau, and your Yusr Later plans and payments are reported to the bureau in the normal way. Paying on time is recorded as well as missing.
Any time, from the plan screen, at no cost. You can also pay a single upcoming instalment ahead of its date if you'd rather clear it while the money is there.
Once the merchant processes the refund, the plan is adjusted automatically. A full refund cancels the remaining payments and returns anything you've already paid. A partial refund reduces the payments you have left, starting with the last one.
Keep paying on schedule until the refund shows in the app — merchant refunds can take a few working days, and stopping early creates a missed payment.
You can move one payment per plan forward by up to seven days, once, from the plan screen. Beyond that the schedule is fixed. If a date falls on a Friday or a public holiday, we take the payment the next working day.
Yes. Yusr Later runs off your Yusr Current account and Yusr Card — that's how payments are collected. Opening a Current account takes about eight minutes from your phone.
Get the app and check your limit
Send yourself a download link. Yusr Later sits in the app next to your card, ready as soon as you're approved.
Important information about Yusr Later
Yusr Later is a deferred payment product provided in partnership with Taysir Finance Company, a Saudi closed joint stock company licensed by the Saudi Central Bank to carry out finance activities. Yusr Bank arranges and services Yusr Later within the Yusr app. The agreement for each payment plan is entered into between the customer and Taysir Finance Company and is governed by the Yusr Later plan terms presented in the app at the time the plan is confirmed.
When you apply for Yusr Later, your application together with your identity details, contact details and Yusr account information are shared with Taysir Finance Company so that it may carry out its own affordability assessment and determine whether to approve you and at what limit. As part of that assessment, a check of your credit record is carried out with the Saudi Credit Bureau (SIMAH). Plans opened, payments made and any amounts falling into arrears are reported to the bureau. Approval, limits and continued availability are at the discretion of Taysir Finance Company and may be varied or withdrawn.
Yusr Later is available to individuals aged 18 and over who are resident in the Kingdom of Saudi Arabia, hold a valid national ID or Iqama and maintain a Yusr Current account in good standing. Minimum purchase SAR 200. Maximum single purchase SAR 5,000, subject to your available limit. Maximum SAR 8,000 outstanding across a maximum of four concurrent plans. Excluded categories include cash withdrawals, transfers, wallet top-ups, fuel, government payments and gift cards. Merchant participation, limits and excluded categories may change without notice.
No interest, arrangement fee, administration fee, late fee or early settlement fee is charged on Yusr Later. Payments are collected automatically from the Yusr Current account linked to your Yusr Card. Where a payment date falls on a non-working day, collection is made on the following working day. Refunds are processed by the merchant and applied to the plan once received. Complaints relating to Yusr Later may be raised with Yusr in the first instance and escalated in accordance with our complaints process.
Borrowing money costs money. Only split purchases you are confident you can repay on schedule. If you are having difficulty keeping up with payments, contact us on 8001 24 24 24 or through in-app chat.