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The cost of recruiting a domestic worker in Saudi Arabia is often a large amount paid in a single payment, which is why many families look into ways to hire domestic workers on installments instead of paying the full cost upfront. Among the solutions that have spread recently in the Saudi market are buy-now-pay-later services such as Tabby, which have started moving beyond traditional e-commerce into new areas — including installment recruitment with Tabby specifically for some recruitment transactions. In this article, we explain in practical terms how this service works, how it differs from long-term installment plans, and how to identify the offers that qualify for it when comparing recruitment options.
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🔍 Before you continue reading, you can browse the workers eligible for installments now |
The cost of hiring a domestic worker usually includes the recruitment office's fees, official procedures, visa, and travel tickets — amounts that vary depending on nationality, experience, and contract type. When this full cost is paid in a single lump sum, it can put real pressure on a family's budget, especially if there are other financial commitments during the same period. This is where the need arises for options that keep the monthly payment commitment within a comfortable range, whether through traditional long-term installment financing companies, or through faster deferred-payment services like Tabby, which have become familiar to many consumers in Saudi Arabia through everyday shopping.
The key difference is that these options are not a one-size-fits-all alternative; some offers suit those who want a longer monthly installment plan, while services like Tabby suit those looking for a shorter schedule and faster process. Knowing the difference between the two before choosing saves you surprises later in your payment schedule.
Tabby is one of the licensed financial technology companies operating in Saudi Arabia, offering primarily a "buy now, pay later" service, where the value of a purchase is split into a number of periodic installments without interest in the traditional sense, with the user committing to a defined payment schedule. The service is known for its compliance with Sharia principles in structuring payments, which is one of the reasons it has become widespread among consumers in the Saudi and wider Gulf market.
Long-term installment plans through licensed financing companies are usually aimed at larger amounts and extend over a longer period, and are subject to a more detailed credit assessment. Deferred-payment services like Tabby, on the other hand, are closer to splitting a specific amount into shorter installments, and are typically used as an alternative payment method at checkout rather than financing requested separately in advance. Both options may appear together on the same platform as alternatives, depending on the nature of the request and customer eligibility.
Being a resident or citizen of Saudi Arabia within the age range set by the financing entity.
Holding a valid bank payment method that can be linked to the account with the financing entity.
Passing an internal eligibility assessment conducted by the financing entity itself — a step that differs from one application to another and cannot be guaranteed in advance.
Committing to the agreed payment schedule to avoid any late fees the financing entity may apply under its policy.
Before thinking about the payment method, it helps to understand what determines the total amount you'll be paying in installments in the first place:
Worker's nationality: Official fees and recruitment costs vary by nationality, and these caps are set by official authorities, not negotiated by the office or the platform.
Years of experience and prior work history: A worker who has worked before is usually priced differently than one new to the market.
The licensed office executing the request: Each office has its own pricing structure within the officially permitted frameworks.
The type of additional services requested, such as specific language skills or specializations (childcare, elderly care, cooking).
Once you know this total amount, the next question becomes: is this specific request eligible for any of the available deferred-payment options, or does it need a traditional, longer financing path? The answer differs from one offer to another, as explained in the next section.
In fairness, it should be made clear that not every worker listed carries the installment-via-Tabby option; some requests exceed the limit set by the financing entity for this type of service, while others depend on the customer's own eligibility assessment — something no comparison platform controls. Likewise, the approval of financing, its terms, and the number and value of installments remain a decision specific to the relevant financing entity, and the precise details are shown when completing the request directly with them, not beforehand.
This means the first practical step before making a recruitment decision is to confirm that the offer you like actually carries the installment-via-Tabby badge, instead of assuming that all offers are available this way.
A common mistake is choosing the first worker that appears in search results without comparing prices and payment terms across several licensed offices. A small difference in price, or in the availability of an installment option, can change your decision entirely. Reviewing several options — in terms of price, experience, nationality, and installment availability — gives you a clearer picture before committing to any request, especially since the actual procedures always take place through official authorities after you make your choice.
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📋 Save time instead of switching between multiple sites — compare recruitment options available now |
Instead of visiting several separate recruitment office websites and manually comparing prices and payment terms, families can now rely on digital platforms that bring these options together in one place, clearly showing which offers include an installment option via Tabby or other licensed financing entities, and which don't. This aggregation saves real time that would otherwise be spent going back and forth and contacting several offices individually.
Ayady is a Saudi digital platform that helps you compare licensed recruitment offices and available workers from different nationalities, giving you a clearer view of the cost of each request and whether it's eligible for a deferred-payment option or other available financing. Instead of scattered searching, Ayady brings licensed recruitment offices together in one place, with a clear display of payment options for each worker individually — making it easier to choose before submitting any request.
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💳 Browse now the workers carrying the Tabby badge — see the workers eligible for installments via Tabby |
Within the payment options available on the Ayady platform, the "Installment via Tabby" badge appears on offers where this option is available, next to the recruitment cost. Final approval and the payment plan are subject to the customer's eligibility and Tabby's own assessment, as the licensed financing entity responsible for this product — Ayady does not intervene in credit approval decisions or in setting payment terms.
The availability of the Tabby option does not change the regulatory procedures of the recruitment process; contracts and official procedures continue through the official platforms and licensed recruitment service providers in accordance with the regulations in force in the Kingdom.
This way, Ayady's role is limited to clearly displaying this option within the offer comparison, without intervening in the approval decision or the payment details, which we always communicate transparently to the user.
The installment option via Tabby allows recruitment costs to be split into 3 or 4 payments with no interest or additional fees, with the possibility of accessing longer plans of up to 6 or 12 months depending on Tabby's evaluation and terms for each request.
Ayady operates as a technical and marketing intermediary, and is not a recruitment company, office, or financing entity. Recruitment services are provided through licensed service providers, while financing approvals, terms, and decisions are subject to the competent financing entity.
Assuming every worker listed is eligible for installments via Tabby before confirming the badge actually appears on their profile.
Not distinguishing between the short-term deferred-payment service and long-term financing plans when comparing offers.
Deciding on a recruitment request based on the payment method alone, without reviewing the worker's experience or the executing office's licensing.
Not carefully reviewing the final payment schedule presented by Tabby before confirming the request.
Check that the "Installment via Tabby" badge appears specifically on the worker's profile before proceeding with the request.
Compare several offers from different offices before committing, even if they all carry the installment option.
Read the payment schedule and terms Tabby presents carefully before confirming final approval.
Make sure you can commit to the monthly payments within your budget before deciding, regardless of how easy the steps look.
Is installment via Tabby available for all workers listed on Ayady?
No, only profiles that specifically display the "Installment via Tabby" badge are eligible for this option. Other offers may have other financing options available, or be paid in full directly.
Who approves the payment request via Tabby?
Tabby alone is the entity that assesses the request, approves it, and sets its terms; Ayady does not intervene in credit approval decisions or in setting payment terms.
Does installment via Tabby differ from the long-term financing plans available through Ayady?
Yes, Tabby offers a short-term deferred-payment service, while Ayady also lets you explore other financing options from licensed entities for those who need a longer payment schedule, depending on what's shown on each request.
How do I know that a specific worker is eligible for installments via Tabby?
The "Installment via Tabby" badge appears next to the recruitment cost directly on the worker's profile when browsing offers on Ayady.
Does Ayady charge any additional fees for the installment option via Tabby?
Ayady does not charge financing fees; any fees or terms related to the installments are set by Tabby itself and are shown clearly when completing the request with them.
What happens if a payment is late?
Late-payment policies and any related fees are set by Tabby according to its published terms, and are shown to the user when agreeing to the payment schedule.
Does using the installment option via Tabby require a specific type of bank card?
The technical requirements for linking a payment method are set by Tabby itself, and are requested directly from the user when selecting this option.
Does choosing installments affect the duration of the recruitment procedures themselves?
Recruitment procedures move through official platforms regardless of the chosen payment method; financing only concerns the payment side, not the speed of the official procedures.
Can I browse the offers eligible for installments via Tabby directly on Ayady?
Yes, you can browse a dedicated list of workers available with the installment option to see the offers that qualify for this option specifically.
For more frequently asked questions about recruitment in general, you can visit Ayady's FAQ page.
Installment recruitment with Tabby has added a practical option for some families who prefer to hire domestic workers on installments instead of paying the full recruitment cost in one lump sum, but it isn't available on every offer and isn't a substitute for long-term financing plans in all cases. The most important step remains comparing available offers carefully, confirming that the specific offer is eligible for this option before committing, and reviewing the payment terms carefully when completing the request directly with the financing entity.
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Ready to compare? Browse the workers eligible for installments via Tabby, or explore all recruitment options available now on Ayady. |
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