CashNow Borrowers: Your App Loans Now Count on Your Credit Report
If you borrow through CashNow, that activity is no longer invisible to banks. Botim Finance, formerly Quantix, submits CashNow account data to Etihad Credit Bureau, and it now appears in UAE credit reports. Data linked to more than one million CashNow customer profiles has been submitted since the second quarter of 2025, and it includes relevant historical account information for existing customers.
Two sides of the change
- Credit building: on-time repayments can become part of a verified credit history that you can show to traditional lenders.
- Exposure: late or unpaid balances can appear in routine credit checks and may count against you when you apply for a bigger loan, car finance or a mortgage.
What to do as a borrower
- Open the Etihad Credit Bureau app and download your report as a PDF.
- Look for CashNow and any BNPL or other short-term credit lines, and check that balances and repayment status are correct.
- Repay on schedule. Lenders can now see short-term commitments, so a small app loan is treated more like a card balance than an informal debt.
- If a line is wrong, raise it with the lender that submitted it.
The wider picture
The change follows the bureau’s earlier inclusion of Buy Now, Pay Later and other short-term credit, so the report now brings together bank loans, cards, BNPL and micro-loans in one place. For the full list of what the bureau changed, see our micro-loans credit report explainer.
Being on a credit report does not by itself say whether an app is right for you. Check the repayment terms and total cost of any loan before you borrow.
