2026 national APR benchmarks
Auto loan by city in Morocco
Financing for new or used vehicles with competitive APR and fast disbursement. Compare offers across 12 cities with live rates, local banks and dedicated simulators.
Min APR
5.5%
Average APR
6.5%
Duration
3 to 7 years
Typical ticket
MAD 80,000 - 500,000
Auto loan in 12 Moroccan cities
Casablanca
Casablanca-Settat
Local average APR: 6.4%
Attijariwafa Bank · BMCE Bank of Africa
Rabat
Rabat-Salé-Kénitra
Local average APR: 6.3%
Attijariwafa Bank · Banque Populaire
Marrakech
Marrakech-Safi
Local average APR: 6.5%
Attijariwafa Bank · CIH Bank
Tangier
Tanger-Tétouan-Al Hoceïma
Local average APR: 6.6%
Attijariwafa Bank · BMCE Bank of Africa
Fez
Fès-Meknès
Local average APR: 6.7%
Attijariwafa Bank · Banque Populaire
Agadir
Souss-Massa
Local average APR: 6.6%
Attijariwafa Bank · BMCE Bank of Africa
Meknes
Fès-Meknès
Local average APR: 6.75%
Banque Populaire · Attijariwafa Bank
Oujda
Oriental
Local average APR: 6.7%
Attijariwafa Bank · Banque Populaire
Tetouan
Tanger-Tétouan-Al Hoceïma
Local average APR: 6.65%
Attijariwafa Bank · BMCE Bank of Africa
Kenitra
Rabat-Salé-Kénitra
Local average APR: 6.65%
Attijariwafa Bank · Banque Populaire
Settat
Casablanca-Settat
Local average APR: 6.75%
Attijariwafa Bank · Crédit Agricole du Maroc
Beni Mellal
Béni Mellal-Khénifra
Local average APR: 6.8%
Banque Populaire · Crédit Agricole du Maroc
El Jadida
Casablanca-Settat
Local average APR: 6.65%
Attijariwafa Bank · Banque Populaire
Safi
Marrakech-Safi
Local average APR: 6.75%
Attijariwafa Bank · Banque Populaire
Mohammedia
Casablanca-Settat
Local average APR: 6.5%
Attijariwafa Bank · BMCE Bank of Africa
Nador
Oriental
Local average APR: 6.65%
Attijariwafa Bank · Banque Populaire
Khouribga
Béni Mellal-Khénifra
Local average APR: 6.65%
Attijariwafa Bank · Banque Populaire
Laayoune
Laâyoune-Sakia El Hamra
Local average APR: 6.6%
Attijariwafa Bank · Banque Populaire
Dakhla
Dakhla-Oued Ed-Dahab
Local average APR: 6.6%
Attijariwafa Bank · Banque Populaire
Sale
Rabat-Salé-Kénitra
Local average APR: 6.55%
Attijariwafa Bank · Banque Populaire
Temara
Rabat-Salé-Kénitra
Local average APR: 6.5%
Attijariwafa Bank · Banque Populaire
Essaouira
Marrakech-Safi
Local average APR: 6.65%
Attijariwafa Bank · Banque Populaire
Eligibility
Conditions to obtain the auto loan in Morocco
Eligibility criteria
- Verifiable net income of at least MAD 4,000/month
- Personal contribution of 10-20% of the vehicle price
- Comprehensive insurance required for the loan duration
- New or used vehicle less than 5-7 years old
- Overall debt-to-income ratio below 40%
Optimisation levers
- Negotiate a dealer discount alongside the loan (2-7%)
- Compare finance companies (Wafasalaf, Sofac, Eqdom, Salafin) against banks
- Keep the term to 60 months max — beyond that the interest cost explodes
- Use employer agreements (public administration, large companies)
- Moroccans abroad: Bank Al-Amal offers subsidised rates on vehicle imports
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