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Wafir.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

Wafir.ma suits Moroccan salaried buyers and expats who want a broker rather than one lender, with an origination fee of 0 MAD - free of charge for individuals for individuals on top of a maximum loan to value of 100%. The trade-off is the rate lock, since the fixed period ranks 41 of 273 brands.

Key facts

Best for
Moroccan buyers and expats who want a fee-free broker and a high loan to value.
Initial rate
3.5% to 5.5%↗
Fixed period
25 years↗
Maximum loan to value
100%↗
Product fee
MAD 0↗
Purpose
Purchase, Remortgage, First-time-buyer↗
Lender type
Broker↗
Legal entity
Wafir SARL↗
Headquarters
Morocco↗
Support channels
Email, Phone, Help-centre↗
Official website
wafir.ma

Loans

APR
6.3% to 13.21%↗
Loan amount
MAD 5,000 to MAD 500,000↗
Term
6 to 84 months↗
Arrangement fee
0 MAD - free of charge for individuals↗
Funding time
Decision in principle 24h-72h; funds released within 5 to 10 business days (express 48h from some lenders)↗
Free early repayment
Yes↗
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%↗
Loan types
Personal, Secured, Car, Debt-consolidation↗
Credit needed
Fair↗
Use cases
Home-improvement↗
Pricing model
Monthly

Personal insurance

Premium from
MAD 1,200↗
Insurance types
Auto, Home, Health, Travel, Life, Motorcycle, Landlord↗
Provider type
Comparison site↗
Monthly payments
Yes↗
Excess from
MAD 1,000 to MAD 5,000↗
Claims channels
Phone↗
Audience
Expats

Facts checked September 26, 2026, 8 sources

Apps and profiles

Elsewhere
LinkedInyoutube.comfacebook.com

Pros and cons

Pros

  • Individuals pay nothing to be placed: the origination fee is 0 MAD - free of charge for individuals.
  • It works as a broker (broker) rather than a single lender, so an application can reach a lender that matches the profile.
  • Free early repayment is offered on consumer credit, so clearing the balance sooner costs nothing.
  • A maximum loan to value of 100% places it 4 of 313 brands on how much of the property value can be borrowed.
  • Support runs on email, phone and help centre, so help is available by email, by phone and through the help centre.

Cons

  • The fixed period ranks 41 of 273 brands, so the length of the rate lock is the weaker part of the offer.
  • Consumer credit runs at an APR of 6.3% to 13.21% and asks for a fair credit file (fair), which rules out thin files.
  • The money arrives over the business days that follow a decision in principle, and the lender named on the offer does the paying out because Wafir is a broker (broker).
  • Support runs on email, phone and help centre and claims are handled by phone (phone), so an in-app messaging route is not part of the offer.
Wafir.ma

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Scored 9.3 / 10 by SumCue.

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Who it suits

  • Salaried applicants with settled employment, a minimum age and a minimum net monthly income, since the eligibility rules ask for all three on consumer credit.
  • Expats, who are the stated audience (expats) and who tend to prefer a broker over a single lender.
  • First-time buyers and movers, since the site covers purchase, remortgaging and first-time buying (purchase, remortgage and first time buyer).

Who should look elsewhere

  • Buyers chasing the lowest headline rate, because Prestalo at 2.36% sits below Wafir's 3.5% to 5.5%.
  • Readers who want one lender's own terms end to end rather than a broker (broker) placing the case, so compare Sofkredit at 8% to 14% and Creditilia ES at 4% before settling.
  • Borrowers who need cash quickly, since a decision in principle comes first and the money follows over the business days after that.

Who regulates it

Wafir is a comparison site (comparison site) and works as a broker (broker), and that structure shapes what a reader is dealing with. The site gathers the details once and puts the case in front of lenders, so the party that approves, sets the rate and releases the money is the lender, not the site. Anyone reading a Moroccan consumer credit or home loan offer here should treat the rate and the term as the lender's terms, reached through a broker. The broker's job is the introduction, the paperwork and the matching of a profile to a lender's criteria, which is where it earns its place in the list. A reader who wants a single named bank to answer for the loan from the first conversation is asking for a different kind of provider, and one of the alternatives below is built that way. For the safety of the money, the question worth settling early is which lender ends up on the offer, and the account that stays with you afterwards.

Rates and costs

Consumer credit is quoted at an APR of 6.3% to 13.21%, and that is the figure to line up against other lenders, because it carries the cost of the whole loan rather than a headline rate alone. The origination fee is 0 MAD - free of charge for individuals, so an individual applicant pays nothing to be placed with a lender, which keeps the cost of looking at a fresh offer low. Free early repayment is offered on consumer credit, and that is worth more than it sounds for anyone who expects to finish ahead of schedule, since no exit charge stands in the way of clearing a balance when plans change. Taken together, the fee side of the offer is light and the rate side is the part to test. Ask for the APR in writing, read what the rate becomes once any introductory period ends, and confirm that the early repayment terms offered on a home loan match the ones offered on consumer credit.

How it compares on our data

On our mortgage data, Wafir ranks 41 of 273 brands on fixed period, so the length of the rate lock is the weaker part of the offer. On maximum loan to value it ranks 4 of 313 brands, which places it among the strongest in the field for how much of the property value can be borrowed. Read together, the two ranks say this offer competes on how much it will lend rather than on how long the rate sits still. A buyer putting down a large deposit, or one planning to keep the loan a long time, may weigh the loan to value more heavily and be well served. A buyer who wants the rate held for many years will find a closer fit further up the fixed period ranking, so read both numbers before applying.

The company behind it

The business behind the site is Wafir SARL, headquartered in Morocco (MA), so the counterparty on an application is a Moroccan limited company. Support runs on email, phone and help centre, which gives a reader a choice of email, a phone line and a help centre, and a help centre is the most widely offered route across the products we track. That mix suits readers who prefer to read before they speak, and readers who want to talk something through when the application stalls. Because the company sits in Morocco, anyone weighing this against an offer priced in another market should expect a different market and different eligibility rules. Wafir SARL and its broker model suit people who want the market searched on their behalf rather than attached to a single lender.

How Wafir.ma compares

Where Wafir.ma is available

Available
Morocco

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

Frequently asked questions

What is Wafir.ma and who does the lending?+

Wafir.ma is a comparison site (comparison site) that works as a broker (broker), so it places a case with lenders rather than lending from its own balance. The rate, the term and the decision to approve all sit with the lender who takes the case. That structure lets one set of details reach several lenders, with the terms following the profile.

What does it cost to get an offer?+

For individuals the origination fee is 0 MAD - free of charge for individuals, so being placed with a lender carries no set-up charge. The cost to watch is the rate itself, since consumer credit is quoted at an APR of 6.3% to 13.21%. Ask for the APR in writing and check what the rate becomes once any introductory period ends.

What rate do I pay on a home loan?+

The initial rate quoted for the home loan product is 3.5% to 5.5%. Read it as a starting point rather than the whole cost, because the rate in place after the fixed period ends is what most borrowers pay for most of the term. Ask a lender for both the initial rate and the rate that follows.

Can I repay a loan early without a charge?+

Free early repayment is offered on consumer credit, so clearing the balance before the term ends does not trigger an exit charge. For borrowers who expect income or plans to change, that removes the usual reason to keep a loan open at a cost. Have the lender confirm the same terms in writing on a home loan.

How much can I borrow?+

On a home loan the maximum loan to value is 100%, so the amount borrowed is bounded by the value of the property. Consumer credit runs across amounts of MAD 5,000 to MAD 500,000 and terms of 6 to 84. Eligibility still applies on top: a minimum age, settled salaried employment or civil service status, and a minimum net monthly income.

Who do I deal with if something goes wrong?+

Support runs on email, phone and help centre, and claims are handled by phone (phone). Because Wafir is a broker (broker), the lender named on the offer is the party that pays out, so keep the lender's details with the paperwork. The site is the first place to go for questions about the application itself.

How long does an application take?+

A decision in principle comes first, then the money is released over the business days that follow, with faster handling available from some lenders. That timeline runs through the lender rather than the site, since Wafir acts as a broker (broker). Anyone with a fixed purchase date should allow for the waiting period before signing.

Who is it for?+

The stated audience is expats (expats), and the site suits readers in Morocco who want a broker to search the market for them. Eligibility asks for a minimum age, settled salaried employment or civil service status, and a minimum net monthly income, so a newly employed applicant sits outside the frame. Consumer credit asks for a fair credit file.

Sources

Compiled from 9 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APRC.

Wafir.ma

Wafir.ma

Moroccan buyers and expats who want a fee-free broker and a high loan to value.

9.3/10See alternatives