Fawry review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Fawry lends directly and charges an APR of 0% on a revolving credit line, so a purchase costs less to carry than a typical personal loan. It suits Egyptian shoppers who want a short term and free early repayment. The catch is where fees land: they come off the yellowcard balance.

Key facts

Best for
Splitting an everyday purchase into short instalments without paying interest for longer than needed.
APR
0% (Source, checked September 26, 2026)
Term
1 to 18 months (Source, checked September 26, 2026)
Arrangement fee
purchase fees applied, deducted from myfawry yellowcard balance (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
National ID required; product usable anywhere in Egypt (Source, checked September 26, 2026)
Loan types
BNPL, Credit-line (Source, checked September 26, 2026)
Legal entity
Fawry Banking and Payment Technology Services (Source, checked September 26, 2026)
Headquarters
Egypt (Source, checked September 26, 2026)
Founded
2008 (Source, checked September 26, 2026)
Support channels
Chat, Help-centre (Source, checked September 26, 2026)
Features
Credit line
Official website
fawry.com

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedIn

Pros and cons

Pros

  • APR of 0% on the credit line, against a median of 2.1% across buy now pay later lenders
  • Free early repayment, so paying off sooner cuts the run of costs
  • Purchase fees are deducted from the myfawry yellowcard balance instead of billed as a separate arrangement charge
  • Fawry lends directly as Fawry Banking and Payment Technology Services, so the credit decision sits with one firm

Cons

  • Purchase fees still apply and come off the yellowcard balance, so the cost lands on the card rather than on the instalment
  • Support runs on chat and help centre only, which is a narrow set of ways to get help with a disputed charge
  • Repayment terms run 1 to 18, so a long purchase can still be stretched further than most people need
Fawry

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Shoppers in Egypt who want to pay a purchase off in a short window rather than carry a balance
  • Anyone already holding a myfawry yellowcard, since the fees come off that balance
  • Borrowers who value free early repayment and can clear the balance ahead of schedule

Who should look elsewhere

  • Readers who need a large lump sum over a long term, since the credit line is built for purchases rather than big one-off needs
  • People who want a fixed monthly figure set at the start, because the charges come off the card balance
  • Customers who want to reach support by phone, as chat and help centre lists only chat and a help centre

How Fawry compares

Where Fawry is available

Available
Egypt
Licence in Egypt
Financial Regulatory Authority (FRA), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does Fawry cost to borrow?+

Fawry charges an APR of 0% on its credit line. That sits well below the median of 2.1% for buy now pay later lenders. Purchase fees still apply, and Fawry deducts them from the myfawry yellowcard balance rather than billing them separately.

How long do I have to repay?+

Repayment terms run 1 to 18 on the credit line. Most people clear a purchase far sooner than the longest window allows. Free early repayment means settling ahead of the end date costs nothing extra.

Is the money safe with Fawry?+

Fawry operates as Fawry Banking and Payment Technology Services and is supervised by the Financial Regulatory Authority (FRA) in Egypt. It also lends directly rather than passing you on to someone else, so the contract sits with one firm.

What do I need to apply?+

Eligibility rests on a national ID, and the product is usable anywhere in Egypt. That makes the paper side light, but the credit line still depends on Fawry's own assessment of what it will lend.

Which accounts can I open?+

Fawry runs buy now pay later and a credit line, and the revolving line is the feature that stands out. Both sit under the same 0% APR, with terms running 1 to 18.

How do I get hold of Fawry?+

Support runs on chat and help centre, so chat and a help centre are the routes in. There is no phone line listed. Anyone who wants to argue a charge by voice may find that harder than expected.

Can I pay off a purchase early?+

Yes, early repayment is free. You can clear the balance as soon as your money allows without a penalty for finishing ahead of schedule. That is a genuine saving if the purchase was only ever meant to be short term.

Where is Fawry based?+

Fawry was founded in 2008 and is headquartered in Egypt. The whole product is built for the Egyptian market, with the product usable anywhere in Egypt.

Sources

  • fawry.com checked September 26, 2026

    Backs: Legal entity

    “Copyright (c) 2026 Fawry Banking and Payment Technology Services. All Rights Reserved.”

  • fawry.com/about/who-we-are checked September 26, 2026

    Backs: Founded, Headquarters

    “Established in 2008, Fawry has since grown to become a premier provider of banking and payment technology services in Egypt.”

  • fawry.com/bnplbuy-now-pay-later checked September 26, 2026

    Backs: Eligibility, Features, Free early repayment, Lender type, Loan types, Support channels, Term, Licences

    “Scan your National ID, complete a questionnaire, and submit your myfawry taqseet application.”

  • fawry.com/myfawry-taqseet-offer checked September 26, 2026

    Backs: APR, Arrangement fee

    “Explore myfawry yellowcard 0% interest installment offers with myfawry taqseet at your favourite stores in Egypt and online.”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Loan amount, Credit check, Funding time, Representative example.

Fawry

Fawry

Splitting an everyday purchase into short instalments without paying interest for longer than needed.

9.0/10See alternatives

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