SIMAH Credit Score Saudi Arabia: After Settlement, Factors & How to Improve in 2026

SIMAH is the Saudi Credit Bureau. It collects your credit data from banks and finance companies and issues a credit report used by lenders to evaluate your profile.

Every finance provider in Saudi Arabia — without exception — checks your SIMAH record before approving. Clean record = higher approval chances and lower rates. Defaults = rejection or higher rates.

Current obligations: Loans, credit cards, installments

Payment history: Do you pay on time?

Defaults: Any late payments are recorded

Inquiries: How many providers checked your record recently

1. **Pay on time**: Most important factor — even one day late gets recorded

2. **Reduce credit card usage**: Don't use more than 30% of your limit

3. **Don't apply too often**: Each inquiry is recorded and impacts negatively

4. **Clear old defaults**: Even old ones, clearing them improves your record

5. **Check your report**: You can view it free via the SIMAH app

No. All SAMA-licensed providers are required to check SIMAH. However, some microfinance companies (like Tamam and Emkan) are more flexible with imperfect records.

For a live comparison of SAMA-licensed personal finance providers — rate, minimum salary, max amount — see [our personal finance directory](/en/personal?utm_source=blog&utm_medium=internal&utm_campaign=simah-credit-score-guide). Apply once and get offers from 33+ lenders.

Submit your application through Diro and we'll match you with providers that fit your credit profile. Free and no obligation.