How to Check Loans and Bills Linked to Your Iqama Number

Learn how to check if any loan, telecom bill, or financial obligation is linked to your Iqama number using the SIMAH MOLIM app.

If you’re an expatriate living in Saudi Arabia, it’s important to stay informed about your financial obligations linked to your Iqama number. Over time, you may have taken out loans, activated telecom services, or signed up for financing without tracking all the details. To help you monitor your credit history, the SIMAH MOLIM app allows you to check if any personal loans, telecom bills, vehicle financing, or mortgages are currently registered under your name—whether they are active, closed, or overdue.

Here’s a simple guide on how to check your credit report and linked services using the MOLIM app from SIMAH (Saudi Credit Bureau).

What Is SIMAH?

SIMAH is the official credit bureau in Saudi Arabia. It collects data from banks, telecom companies, and financial institutions to generate credit reports for individuals and companies. The MOLIM app is SIMAH’s official app that lets you view your personal credit report using your Iqama number.

What You Can Check Using SIMAH MOLIM

Using the MOLIM app, you can check:

Personal loans
Credit card accounts
Car (vehicle) loans or leases
Mortgage/home financing
Telecom bills (STC, Mobily, Zain, etc.)
Status of each account (active, settled/closed, or overdue/defaulted)
Number of times your credit history was accessed
Bounced cheques
Your overall credit score

How to Use the MOLIM App

Follow these steps to get your full credit report using your Iqama number:

Step 1: Download the App

Download MOLIM by SIMAH from the App Store or Google Play.

Step 2: Register

Open the MOLIM app and tap Register.
Enter your Iqama number and tap continue.
You will be redirected to the NAFATH platform for secure verification.
Complete the identity verification using your Absher-registered mobile number through NAFATH.

Step 3: Verify and Log In

Once verified, log in to your account.

Step 4: View Your Report

Go to Your Products section.
You will see all financial obligations linked to your Iqama, including:
Lenders and loan types
Loan status (active, closed, defaulted)
Outstanding balances
Payment history

Cost of Credit Report

SIMAH offers one free credit report per year for individuals. This basic report provides a snapshot of your credit information.

If you need more in-depth details, you can request a paid detailed report, which includes:

Complete credit history
Credit score
Full payment and account status details

You can purchase the paid report directly through the MOLIM app using Mada, Visa, or Mastercard.

Why It’s Important

Checking your credit report helps you:

Avoid identity fraud or unauthorized accounts
Monitor your financial obligations
Improve your credit score for future loans
Resolve unpaid or defaulted bills before legal action

What to Do If You Notice Unauthorized Accounts

If you find a loan or telecom account you don’t recognize:

Contact the financial institution listed in the report.
Submit a complaint to SIMAH through the app or website.
Report the issue to relevant authorities, if needed.

In summary, with the SIMAH MOLIM app, expatriates in Saudi Arabia can easily monitor their financial footprint. It’s a reliable way to check if any loans or bills have been registered under your Iqama number. Regular checks can protect you from fraud and help you manage your financial health.