SIMAH Guide: Everything About Credit Scores in Saudi Arabia

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.

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