Wafir.ma review

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

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Our verdict

Wafir.ma is a Moroccan broker that suits salaried borrowers comparing a home loan with consumer credit side by side. Home loans sit at initial rates of 3.5% to 5.5% and run for a fixed period of 25, while consumer credit works out at 6.3% to 13.21% over terms of 6 to 84.

Key facts

Best for
Salaried borrowers in Morocco comparing a home loan and consumer credit on fee and rate.
Initial rate
3.5% to 5.5% (Source, checked September 26, 2026)
Fixed period
25 years (Source, checked September 26, 2026)
Maximum loan to value
100% (Source, checked September 26, 2026)
Product fee
MAD 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
Wafir SARL (Source, checked September 26, 2026)
Headquarters
Morocco (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
wafir.ma

Loans

APR
6.3% to 13.21% (Source, checked September 26, 2026)
Loan amount
MAD 5,000 to MAD 500,000 (Source, checked September 26, 2026)
Term
6 to 84 months (Source, checked September 26, 2026)
Arrangement fee
0 MAD - free of charge for individuals (Source, checked September 26, 2026)
Funding time
Decision in principle 24h-72h; funds released within 5 to 10 business days (express 48h from some lenders) (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Consumer credit: age 21 to 65, salaried with at least 6 months of employment (or civil servant), minimum net monthly income 3 000 MAD, debt ratio under 45% (Source, checked September 26, 2026)
Loan types
Personal, Secured, Car, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Wafir SARL (Source, checked September 26, 2026)
Headquarters
Morocco (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInyoutube.comfacebook.com

Pros and cons

Pros

  • Home loans carry a product fee of MAD 0 and an origination fee of 0 MAD - free of charge for individuals.
  • Home loans sit at initial rates of 3.5% to 5.5% with a maximum loan to value of 100%.
  • Consumer credit covers personal, secured, car and debt-consolidation borrowing at 6.3% to 13.21%, with free early repayment.

Cons

  • Your credit file needs to read as fair (fair), which narrows the lender pool.
  • Funding time runs in business days, with express release only from some lenders.
  • It works as a broker (broker), so the lender and the rate come from the bank, not the site.
Wafir.ma

Ready to try Wafir.ma?

Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Salaried workers and civil servants in Morocco with a steady income.
  • Homebuyers who want a long fixed period and can stretch to a 100% loan to value.
  • Borrowers consolidating debt or buying a car who may repay early.

Who should look elsewhere

  • Prestalo, at 2.36%, if the lowest opening rate matters most.
  • Sofkredit, at 8% to 14%, for a much higher priced band of loans.
  • Creditilia ES, at 4%, if a single lender's rate suits better than a broker comparison.

How it compares on our data

A pair of our ranking fields carry this brand. The fixed period ranks 40 of 259 brands on our data, while the maximum loan to value ranks 4 of 293. The combination is the point: a long fixed period and a high loan to value sitting on the same home loan offer, rather than one given up to win the other. Borrowers who expect to stay in the property for years gain the most from it.

The company behind it

Wafir SARL is the company behind Wafir.ma, registered in Morocco. Its site is where you start an application and compare what lenders return, so the contract you sign sits with a lender rather than with the site itself. Support runs on email, phone and help centre, which means a phone line, an email address and a help centre. Everything here is framed around the Moroccan market.

How Wafir.ma compares

Where Wafir.ma is available

Available
Morocco

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

Frequently asked questions

What does it cost to arrange a loan?+

For individuals the origination fee is 0 MAD - free of charge for individuals, and home loans also carry a product fee of MAD 0. Nothing is added for arranging the loan, which is rare among brokers. Get the terms in writing before you sign with a lender.

What rate will I be offered?+

Home loans sit at initial rates of 3.5% to 5.5%; consumer credit works out at 6.3% to 13.21% over 6 to 84. They are separate products, so a mortgage rate should not be read across to a personal loan. The rate you get depends on your file and the lender who answers.

How much can I borrow and how long do I have to repay?+

Consumer credit runs MAD 5,000 to MAD 500,000 over 6 to 84, which keeps payments manageable. Timing matters as much as size: a decision in principle comes back quickly, then money is released within a short business window, with express release from some lenders.

How long can a home loan run, and how much can I borrow against the property?+

Home loans run for a fixed period of 25 at a maximum loan to value of 100%. That is long enough to buy, settle and stop thinking about the mortgage, and the high loan to value eases the deposit you must find.

Am I eligible to apply?+

Consumer credit is aimed at adults already in work: salaried with a minimum period of employment, or a civil servant, plus a minimum net monthly income and a ceiling on the debt ratio. The file itself needs to read as fair (fair), so a strong score is welcome but not required.

What can I use the money for?+

Home loans cover purchase, remortgage and first time buyer, and consumer credit includes personal, secured and car, with home improvement named as a use. In practice that means a house move, a car, a kitchen, or bringing several debts into a single monthly payment.

Can I repay early if my situation improves?+

Yes, free early repayment is offered on the consumer credit. With terms running 6 to 84, a lump-sum payoff is possible without an early repayment charge, which suits anyone waiting on a bonus or a sale. Check whether the same terms apply to a home loan.

Sources

  • wafir.ma/fr/credit-consommation checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Eligibility, Free early repayment, Funding time, Loan types, Term, Use cases

    “Hubs spécialisés: Crédit travaux”

  • wafir.ma/fr/credit-immobilier checked September 26, 2026

    Backs: Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose

  • wafir.ma/fr/mentions-legales checked September 26, 2026

    Backs: Headquarters, Legal entity, Lender type, Arrangement fee, Support channels

    “Siège social : Casablanca, Maroc”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APRC.

Wafir.ma

Wafir.ma

Salaried borrowers in Morocco comparing a home loan and consumer credit on fee and rate.

9.0/10See alternatives

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