Credit.ma review

Both charges sit at 0 MAD: the origination fee and the product fee. The headline rate is an APR of 4.1%, below the 12% site median. The secured, personal and car loans all carry that same fee picture, so the choice is about rate and term rather than charges.

Crédit.ma is a marketplace, so it places your application with Moroccan banks rather than lending itself. The legal entity behind the site is Crédit.ma, based in Morocco. Read the offer from the bank that responds, since the rate and repayment terms in it are the ones you sign up to.

The credit check is none as listed, so the marketplace does not ask for a score before it puts your details to a bank. That keeps the first step light, though the bank still sets its own conditions and can ask for paperwork before it releases funds.

Loan sizes run MAD 100,000 to MAD 5,000,000, and terms run 60 to 300. That spread suits a planned purchase rather than a short gap between paydays, and the same range applies whether the loan is personal, secured or taken against a car.

Borrower profiles run from salaried employees and civil servants to self-employed professionals, and the site also names Moroccans living abroad as MRE. All of them apply for loans from Moroccan banks, so a steady income or an established business counts for more here than a long credit history.

The listed purpose is purchase, so this is borrowing towards a purchase rather than a top-up or a consolidation. The available types are secured, personal and car, which covers a personal loan, a loan secured on an asset and a car loan from the partner banks.

Support runs on email and community, so email and the community forum are the routes in. There is no phone line listed, which matters if you are chasing a bank for a decision and want an answer quickly.

On longer purchase borrowing the site quotes an initial rate of 4.1% with a fixed period of 25 years, alongside the APR of 4.1% on the headline offer. Check that fixed period against the term you want before you commit.