Dar Salaf

Dar Salaf S.A. is a joint-stock company with a share capital of MAD 90,000,000, registered in the Casablanca trade register under number 931156, with its head office at 207 boulevard Zerktouni, Casablanca. Founded in 1998, it describes itself on its official website as a "privately owned credit institution" specialised in equipment loans for passenger and commercial vehicles. Its licence is confirmed by Annex 2 of Bank Al-Maghrib's 2025 annual report on banking supervision (published on 21 July 2026), which lists DAR SALAF S.A among the 12 licensed consumer-credit companies, out of 30 financing companies and 95 credit institutions and similar bodies. Unlike Wafasalaf, Sofac or Salafin, Dar Salaf does not market personal loans to the general public: its business is financing vehicles for professional use.

A niche positioning: the professional vehicle: the company finances light commercial vehicles, pick-ups, trucks and small trucks, road tractors and oversized tipper trucks, new or used, of any brand. Its customers are companies and sole traders — transport craftsmen, farmers, goods hauliers, retailers and self-employed professionals — served by a network of regional correspondents and referrers. The website also announces a "commercial vehicles" financing offer without detailing its terms. The company's slogan sums up the focus: "You invest, we finance".

Terms published on darsalaf.ma: for a new vehicle, up to 80% of the purchase price can be financed; for a used vehicle, 60%. The customer chooses the down payment and the term, with adjustable repayments from 12 to 48 months and a monthly instalment set according to repayment capacity. The company commits to an answer within 48 hours, allows early repayment at any time, includes death and disability insurance in the instalment and leaves the choice of brand open; it also highlights tax advantages for companies. No rate grid is published: the rate is set file by file and cannot exceed the maximum conventional interest rate (TMIC) set by Bank Al-Maghrib, namely 13.21% from 1 April 2026 to 31 March 2027 (13.36% over the previous period). To benchmark an offer, see our 2026 new-car loan comparison and our car-loan guide for self-employed entrepreneurs.

Where Dar Salaf stands in the sector: the company does not publicly disclose its outstanding loans, net banking income or profit. Bank Al-Maghrib's report nevertheless gives the scale of the market: in 2025, the total assets of consumer-credit companies grew by 22.8% to MAD 98 billion, with gross outstanding loans of MAD 98.6 billion (+20.8%), including MAD 60 billion of consumer loans and MAD 38.4 billion of lease-purchase (LOA); their net banking income reached MAD 4.9 billion (+14.9%). The sector is highly concentrated: the top three companies hold 70% of total assets and the top five 92%. For comparison, Wafasalaf reported MAD 21.4 billion of outstanding loans at end-2025. Non-performing loans carried by consumer-credit companies represented 11.3% of their loans at end-2025, 77% covered by provisions.

The application file, step by step: 1) simulate your instalment with our car loan simulator to check the burden on your cash flow; 2) gather the required documents. For a sole trader: copy of national ID, proof of address, trade register extract or model 7 less than 3 months old, business tax registration certificate, tax identifier notice, latest tax notice, bank details (RIB) and last 3 bank statements, Ministry of Transport certificate for hauliers, agricultural certificate for farmers. For a company: up-to-date articles of association, signing powers, recent trade register extract, manager's ID, business tax and tax identifier, balance sheets for the last two financial years, latest tax notice, RIB and last 3 statements; 3) attach the pro forma invoice (new vehicle) or the registration document, photos and roadworthiness test report (used vehicle); 4) file the application at the head office or with a regional correspondent: the company commits to an answer within 48 hours.

Standard loan, lease-purchase or leasing?: for a professional vehicle, the earmarked loan offered by Dar Salaf compares with the finance leases of specialised companies such as Maghrebail, where the lessor keeps ownership of the asset during the contract. Our car loan vs long-term rental vs leasing guide and our 2026 analysis of whether leasing pays off detail the differences in cost, taxation and ownership. Very small businesses can also seek a public guarantee through Tamwilcom; Bank Al-Maghrib notes in its press release of 21 July 2026 that a charter dedicated to financing very small enterprises was adopted on 4 December 2025 with its public and private partners. The key rate, cut to 2.25% in March 2025 and held since, drives the refinancing cost of financing companies (our analysis).

Network and contact: the head office is at 207 boulevard Zerktouni, Casablanca; the company states that it is "widely established across all regions of the Kingdom" through its local correspondents, but publishes no list of branches. Customer relations on 05 22 36 10 00 (Monday to Friday, 8:30 am-4 pm) and by email at [email protected]. The website is available in French and Arabic, with a customer login area; at the time of writing, no mobile app has been identified. Dar Salaf publishes on its website a code of ethics and conduct and a code of ethics for debt collection.

Complaints and recourse: according to its customer support charter, Dar Salaf runs a complaints-handling system compliant with Bank Al-Maghrib circular no. 10/W/16: free access, complaints by post, phone or email in the language of your choice, acknowledgement within 10 days and a reply within 40 days at most. If the disagreement persists, refer the matter free of charge to the Moroccan Banking Mediation Centre (CMMB) (a scheme governed by law 08-05, online form on cmmb.ma), then, as a last resort, to Bank Al-Maghrib. Our banking mediation guide walks through the procedure.

Wafir.ma is neither a credit institution nor a licensed intermediary: we compare the offers of Moroccan financing companies. The terms quoted are those published by Dar Salaf at the time of writing; only the contractual offer issued by the company is binding.