ValU review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
ValU offers shopping and lifestyle financing across more than 9000 stores for households wanting borrowing, shopping and investing together in one app. ValU is a financial technology powerhouse in MENA used by more than 3 million people for everyday payments, borrowing and business tools.
Key facts
- Best for
- Everyday shopping support in one mobile app
- Term
- 1 to 60 months↗
- Loan types
- Personal↗
- Legal entity
- EFG Holding↗
- Headquarters
- Egypt↗
- Support channels
- Email↗
- Official website
- valu.com.eg
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Elsewhere
Pros and cons
Pros
- Integrated marketplace featuring local and international brands with varied products
- Single mobile app covering shopping, borrowing, investing and business management
- Dedicated business platform helping small firms manage workforce and operations
- Car financing that allows purchase from showrooms, friends or relatives
Cons
- App centred access which limits appeal for branch based service seekers
- MENA focused powerhouse which limits relevance for households elsewhere
Ready to try ValU?
Who it suits
- Households wanting shopping and investing in one place
- Small firms seeking workforce management tools
Who should look elsewhere
- Households seeking branch based banking
How ValU compares
Where ValU is available
- Available
- Egypt, Jordan
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What financial services does ValU offer?+
ValU provides flexible payment solutions alongside borrowing for specific purchases, car purchases and luxury spending. The service also supports prepaid and co branded card options with separate limits and perks. Investment tools and a tailored platform for small firms complete the range.
Where does ValU operate?+
ValU operates as a financial technology powerhouse across MENA. More than 3 million people have chosen the service for everyday shopping, borrowing and investing. The Valu app brings together marketplace shopping, payment solutions and business tools in one place.
Which products can customers find through ValU?+
ValU marketplace brings together a wide selection of products from local and international brands. Shoppers can explore fashion, electronics and home renovation items alongside vacation and car options. The app also allows sending and receiving gift cards for flexible gifting.
Who is ValU Business for?+
ValU Business is a tailored platform for small and medium enterprises. It helps firms manage workforce needs and daily operations with confidence. The service supports both expansion plans and routine everyday tasks as growing businesses move forward.
Where is ValU based?+
ValU is based in Egypt. (Source, checked September 26, 2026)
How can I contact ValU support?+
ValU offers support through Email. (Source, checked September 26, 2026)
Sources
- play.google.com/store/apps/details checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“KM 28, Alexandria Desert Road, Smart Village, Block 3, Building B129 48 6th of October City 12577 Egypt”
- valu.com.eg checked September 26, 2026
Backs: Loan types, Term
“Valu Loans enables you effortlessly access financing for specific purchases, exactly when you need it.”
Compiled from 2 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: APR, Loan amount, Arrangement fee, Credit check, Funding time, Representative example.
ValU
Everyday shopping support in one mobile app