Fintech · Saudi Arabia

Kadipay

In progress

Full story coming soon.

What it is

A car-repair financing app for Saudi Arabia. Car owners get the car fixed now and pay in monthly installments. Workshops get paid in full and win more jobs.

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The problem it solves

  • Car repairs are urgent, unplanned, and often expensive, so many owners delay them or cannot pay upfront.
  • Workshops lose jobs when a customer cannot afford the bill on the spot.
  • Comparing workshops and prices is slow, and it still happens over calls and visits.

Who it serves

  • Car ownersAffordable repairs, clear prices, and one place to track every repair.
  • WorkshopsMore customers and larger jobs, paid upfront without taking on credit risk. Requests, quotes, and inspection slots are managed from a merchant portal.
  • KadipayEarns through the financing.

How it works

  1. The owner sends a repair request to one or more workshops.
  2. The workshops reply with estimates, and the owner compares them when several come back.
  3. The owner books an inspection slot the workshop has set in advance.
  4. The workshop sends a final quote. Workshops can also send quotes directly to existing customers.
  5. The owner accepts, passes an instant eligibility check, and picks an installment plan.
  6. The owner signs the agreement digitally and pays the first installment. Financing goes live.
  7. The owner pays the remaining installments in the app, one at a time or all at once.

What the app includes

  • Sign-up, onboarding, and identity and eligibility checks
  • Workshop discovery with a map and QR scan
  • Repair requests, estimates, inspection booking, and quotes
  • Installment plans, e-signature through SignIt, and in-app payments
  • Installment tracking and repayment
  • Workshop referrals
  • Arabic and English, with right-to-left layout and amounts in riyals