2026 national APR benchmarks
Consumer credit by city in Morocco
Flexible personal loan to fund any project: renovation, equipment, travel, education, healthcare. Compare offers across 12 cities with live rates, local banks and dedicated simulators.
Min APR
6.5%
Average APR
7.5%
Duration
12 to 84 months
Typical ticket
MAD 10,000 - 400,000
Consumer credit in 12 Moroccan cities
Casablanca
Casablanca-Settat
Local average APR: 7.6%
Attijariwafa Bank · BMCE Bank of Africa
Rabat
Rabat-Salé-Kénitra
Local average APR: 7.3%
Attijariwafa Bank · Banque Populaire
Marrakech
Marrakech-Safi
Local average APR: 7.8%
Attijariwafa Bank · CIH Bank
Tangier
Tanger-Tétouan-Al Hoceïma
Local average APR: 7.7%
Attijariwafa Bank · BMCE Bank of Africa
Fez
Fès-Meknès
Local average APR: 7.9%
Attijariwafa Bank · Banque Populaire
Agadir
Souss-Massa
Local average APR: 7.8%
Attijariwafa Bank · BMCE Bank of Africa
Meknes
Fès-Meknès
Local average APR: 8%
Banque Populaire · Attijariwafa Bank
Oujda
Oriental
Local average APR: 7.9%
Attijariwafa Bank · Banque Populaire
Tetouan
Tanger-Tétouan-Al Hoceïma
Local average APR: 7.8%
Attijariwafa Bank · BMCE Bank of Africa
Kenitra
Rabat-Salé-Kénitra
Local average APR: 7.8%
Attijariwafa Bank · Banque Populaire
Settat
Casablanca-Settat
Local average APR: 8%
Attijariwafa Bank · Crédit Agricole du Maroc
Beni Mellal
Béni Mellal-Khénifra
Local average APR: 8.1%
Banque Populaire · Crédit Agricole du Maroc
El Jadida
Casablanca-Settat
Local average APR: 7.9%
Attijariwafa Bank · Banque Populaire
Safi
Marrakech-Safi
Local average APR: 8.05%
Attijariwafa Bank · Banque Populaire
Mohammedia
Casablanca-Settat
Local average APR: 7.7%
Attijariwafa Bank · BMCE Bank of Africa
Nador
Oriental
Local average APR: 7.9%
Attijariwafa Bank · Banque Populaire
Khouribga
Béni Mellal-Khénifra
Local average APR: 7.9%
Attijariwafa Bank · Banque Populaire
Laayoune
Laâyoune-Sakia El Hamra
Local average APR: 7.85%
Attijariwafa Bank · Banque Populaire
Dakhla
Dakhla-Oued Ed-Dahab
Local average APR: 7.85%
Attijariwafa Bank · Banque Populaire
Sale
Rabat-Salé-Kénitra
Local average APR: 7.75%
Attijariwafa Bank · Banque Populaire
Temara
Rabat-Salé-Kénitra
Local average APR: 7.7%
Attijariwafa Bank · Banque Populaire
Essaouira
Marrakech-Safi
Local average APR: 7.85%
Attijariwafa Bank · Banque Populaire
Eligibility
Conditions to obtain the consumer credit in Morocco
Eligibility criteria
- Minimum net income of MAD 3,500-4,000/month
- At least 6 months tenure with employer (permanent contract) or 2 fiscal years for self-employed
- No record at the Credit Bureau (Al Amana / Experian)
- Total debt-to-income ≤ 40-45% depending on the bank
- Age between 21 and 65 (70 at maturity)
Optimisation levers
- Compare banks and finance companies: average spread 150-400 bps
- Pick a short term (24-36 months) to cap total cost
- Negotiate with your main bank (loyalty offers can shave 50 bps)
- Use a purpose-tied loan (renovation, auto) rather than a personal loan for a better APR
- Avoid revolving credit and credit cards (APR 14-20% vs 7-12% for a classic loan)
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