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Credit.ma review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Credit.ma is a Moroccan marketplace that lines up loan offers from banks rather than lending itself, and it suits borrowers in Morocco who want to see secured, personal and car options side by side. Headline rates start at 4.1%, with an arrangement fee of 0 MAD and terms of 60 to 300.

Key facts

Best for
Moroccan residents comparing bank loan offers on one marketplace before applying.
APR
4.1%↗
Loan amount
MAD 100,000 to MAD 5,000,000↗
Term
60 to 300 months↗
Arrangement fee
0 MAD↗
Credit check
None↗
Lender type
Marketplace↗
Eligibility
Borrower profiles: salaried employee, civil servant, self-employed professional or MRE (Moroccan resident abroad), for loans from Moroccan banks↗
Origination fee (%)
0%↗
Loan types
Secured, Personal, Car↗
Legal entity
Crédit.ma↗
Headquarters
Morocco↗
Support channels
Email, Community↗
Official website
credit.ma

Mortgages

Initial rate
4.1%↗
Fixed period
25 years↗
Product fee
MAD 0↗
Purpose
Purchase↗

Facts checked September 26, 2026, 4 sources

Pros and cons

Pros

  • Arrangement fee of 0 MAD and 0%, so no origination charge is added by the site
  • Headline rate of 4.1% sits below the site median of 15.5%
  • Borrowing runs MAD 100,000 to MAD 5,000,000 across secured, personal and car loans
  • A fixed rate held for 25 keeps early repayments predictable

Cons

  • Support runs on email and community only, with no phone line or live chat
  • Purpose is limited to purchase, so debt consolidation is not covered
  • The site is a marketplace, so pricing and approval sit with the banks rather than the site
Credit.ma

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Scored 8.9 / 10 by SumCue.

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Who it suits

  • Salaried employees, civil servants and self-employed professionals in Morocco
  • Moroccan residents abroad buying a home or a car
  • Borrowers who want to compare several Moroccan bank offers in one place

Who should look elsewhere

  • Anyone outside Morocco, since the offers come from Moroccan banks
  • Borrowers wanting phone or chat help, given support runs on email and community

How Credit.ma compares

Where Credit.ma is available

Available
Morocco

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

Frequently asked questions

What is the smallest and largest loan on Credit.ma?+

Borrowing runs MAD 100,000 to MAD 5,000,000, so both a modest loan and a much larger one can be covered. Terms run 60 to 300, which sets how long you have to repay. Larger secured amounts sit alongside personal and car loans.

Is there an arrangement fee for a loan?+

The arrangement fee is 0 MAD, and the percentage fee is 0%, so the site adds no origination charge. The cost of borrowing is therefore driven by the rate the bank offers rather than by site fees.

What rate do loans start at?+

The headline rate is 4.1%, and the fixed period can run 25. For comparison, the site median for this category is 15.5%, and a typical initial rate across the site sits at 4.69%.

Does Credit.ma check your credit?+

Credit checking is not required, which sets it apart from the 76.8% share of lenders on the site. Applications still go to Moroccan banks, and each bank sets its own approval rules.

Who can borrow through Credit.ma?+

Borrower profiles include salaried employees, civil servants, self-employed professionals and Moroccan residents abroad, and the loans come from Moroccan banks. Loan types cover secured, personal and car borrowing, with purchase as the stated purpose.

Is Credit.ma a lender or a marketplace?+

It is a marketplace, so it does not lend money itself. It puts Moroccan bank offers together for comparison, and you apply to a bank through the site, which means rates and terms are set by each bank.

How can I get help from Credit.ma?+

Support runs on email and community, meaning email and a community forum. There is no phone line or live chat, so questions about a live application are better sent by email. The legal entity behind the site is Crédit.ma, based in Morocco.

Sources

  • credit.ma checked September 26, 2026

    Backs: APR, Credit check, Fixed period, Initial rate, Arrangement fee, Product fee, Purpose

  • credit.ma/a-propos checked September 26, 2026

    Backs: Lender type, Loan types, Origination fee (%)

  • credit.ma/comparer checked September 26, 2026

    Backs: Loan amount, Eligibility, Term

    “Montant DH 100.000 5.000.000 DH”

  • credit.ma/legal checked September 26, 2026

    Backs: Headquarters, Legal entity, Support channels

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

Not confirmed yet: Funding time, Representative example.

Related by the facts

Credit.ma

Credit.ma

Moroccan residents comparing bank loan offers on one marketplace before applying.

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