Your credit score,
finally in your hands.
Understand it for free, see exactly what moves it, and stay ahead of how buy-now-pay-later quietly affects it — before it costs you a mortgage, a car loan, or a job.
Every buy-now-pay-later
purchase is on your file now.
Since 2024, buy-now-pay-later plans in the UAE are reported to the credit bureau like any other credit. Most people have no idea. The impact builds quietly — and shows up at the worst possible moment.
For a full credit report — or AED 10.50 just to glimpse the score. Paid to the bureau's portal, most people do it once, if ever — while the score changes every month.
A handful of active installments can quietly drop you 25–40 points — enough to move you from Good to Fair and change a mortgage rate entirely.
Of UAE residents are expats navigating the local credit system for the first time — with no plain-language view of the score running their financial life.
Set up in 60 seconds.
Protected from then on.
No paperwork, no jargon, no surprise fees. Just clarity on the number that decides your next big financial step.
Upload your credit report
Download your official credit report, drop the PDF into Savvy, and we decode it in seconds. Your personal details are stripped before anything reaches our AI — zero data leakage by design.
See the full picture
Your score, the five factors moving it, and every account on your file — all explained in plain language, not bureau-speak.
See exactly what to do
Savvy shows what's helping, what's hurting and what to fix first — and flags the BNPL exposure or errors that could cost you a loan. Re-upload anytime to track your progress.
Four tools. One job:
protect your credit.
Savvy isn't a budgeting app or a wealth advisor. It does one thing properly — it makes sure you're never blindsided by your UAE credit score again.
Credit Score Monitor
Your score, always current, always explained. The full 300–900 range, the five factors behind it, and the reason for every move — automatic, never paywalled.
Explore the monitorBNPL Guard
Never get a credit surprise from your buy-now-pay-later plans again. See every installment already on your report, its estimated impact, and the exposure that could cost you a loan.
Explore the guardDispute Assist
If a bank makes an error, we help you fight it. Step-by-step guidance through the UAE dispute process — turning a two-year nightmare into a tracked, managed resolution.
Explore dispute assistScore Simulator
See what a new card or loan does to your score — before you sign. Model any decision and see the projected impact before you commit.
Try the simulatorWhat happens to your
score if you…
Most people sign first and find out later. Savvy flips it. Pick a decision and watch the projected impact — this is the Score Simulator, the same one built into the Savvy app.
Clarity, on every screen.
Built light, fast and uncluttered — every card serves one purpose: helping you make the right call with your money.
Clearing one plan before a mortgage application could lift your score back toward Very Good. Estimated — actual figures vary.
Clearing your pay-later plans removes active installments and frees up utilisation — the fastest way to lift a UAE score. Estimated impact, for illustration.
A look inside Savvy. Sample data shown for illustration — click the tabs to explore.
Your data never leaves
the country. Or your control.
Credit data is the most sensitive there is. We treat it that way — hosted in the UAE, stripped of personal identifiers before any AI sees it, and aligned with Central Bank regulation from day one.
Hosted in the UAE
Azure UAE North data residency — full compliance with Federal Decree-Law No. 45.
PII-stripping middleware
Your name, Emirates ID and account numbers are removed before data reaches the AI engine. Zero leakage by design.
AES-256 encryption
Bank-grade encryption at rest and in transit. Credentials are never stored in plaintext, never logged.
No bank linking, ever
You simply upload your credit report. Savvy never connects to your accounts and can never move money or make changes on your behalf.
Peace of mind, in plain language.
"I had no idea my buy-now-pay-later plans were even on my credit file. Savvy showed me in one screen, and I cleared two before applying for my mortgage."
"A bank reported a payment I'd actually made. Dispute Assist walked me through every step. Resolved in three weeks instead of the years everyone warned me about."
"The simulator is the part I didn't know I needed. I checked what a car loan would do to my score before walking into the showroom. Walked in knowing my number."
Questions, answered.
Yes. Uploading your credit report, seeing your score, the five factors that move it and the accounts on your file is free, forever — no credit card required. Paid plans add the full simulator, dispute tools and deeper guidance, but understanding your score always stays free.
No. You're uploading your own credit report, so viewing it in Savvy has zero impact on your score — checking your own credit is always a soft, invisible action. Only hard enquiries from lenders, when you actually apply for credit, affect your score.
You download your official credit report and upload it to Savvy. We decode it instantly — your score, your factors and every account on your file. Savvy never connects to your bank and can never move money; you're always in control of what you share.
It's hosted entirely in the UAE on Azure UAE North, in line with Federal Decree-Law No. 45. Your personal identifiers are stripped out before any data reaches our AI engine, everything is encrypted with AES-256, and we operate within CBUAE and ADGM regulatory frameworks.
Savvy reads every account already on your credit report — your cards, loans and buy-now-pay-later plans. Nothing to connect: if it's on your report, Savvy sees it and explains it in plain language.
Stop guessing. Start knowing.
Your credit score is deciding your rent, your loans and your next move whether you watch it or not. Take the wheel — it's free to start.