NAPS
NAPS is a Moroccan financing company offering consumer credit and financing solutions.
Products offered
- Personal loan
- Car loan
- Earmarked loan
Key strengths
- Fast subscription process
- Online credit
Geographic presence
Related free tools
Wafir.ma is an independent comparison service — neither an ACAPS-licensed insurance broker nor a credit institution licensed by Bank Al-Maghrib. Displayed rates are indicative only.
About NAPS
NAPS is a financing company licensed by Bank Al-Maghrib, offering consumer credit solutions in Morocco. Compare NAPS's rates and terms with other financing institutions on Wafir.ma.
Customer reviews for NAPS
Good welcome at the branch
Responsive customer service, an attentive advisor. Reasonable account-opening time. A few fees to watch, but overall satisfied.
Karim B. · March 2026
Smooth mobile app
The app works very well for transfers and balance checks. Very handy to manage your account without visiting the branch.
Fatima Z. · April 2026
Consumer loan granted quickly
File processed in 5 days, fair rate, professional advisor. I recommend it for permanent-contract employees.
Youssef R. · May 2026
Reviews aggregated from Google My Business, Trustpilot and wafir.ma — updated monthly
Bank guides
Our experts break down the topic to help you choose.
Complete Guide to Mortgages in Morocco 2026
Rates, conditions, procedures and pitfalls to avoid: everything you need to know before taking out a mortgage in Morocco. Comparison of major Moroccan banks updated 2026.
5 Mistakes to Avoid When Consolidating Debt in Morocco 2026
Debt consolidation in Morocco can save you thousands of dirhams, but beware of the pitfalls. Here are the 5 most common mistakes Moroccans make and how to avoid them in 2026.
Consumer Credit in Morocco 2026: Complete Guide and Comparison
Types of loans, rates from Wafasalaf, Salafin, Cetelem, and banks, eligibility conditions and required documents: everything you need to know to get the best consumer loan in Morocco in 2026. Comparison of the 10 main lenders.
Compare NAPS with other banks
Use our free tools to compare rates and conditions across the entire Moroccan market.
Frequently asked questions about NAPS
How do I open a NAPS account in Morocco?+
To open a NAPS account, visit a branch with your national ID, proof of address less than 3 months old and an initial deposit (typically MAD 200-500). Current account opening is instant and you receive a bank statement (RIB) the same day.
What are NAPS's account maintenance fees?+
NAPS applies a monthly account fee typically between MAD 10 and 30, plus card fees (MAD 50-300/year depending on tier). Compare rates on wafir.ma before opening.
Does NAPS offer mortgages?+
Yes, NAPS offers mortgages with APRs between 3.8% and 5.4% in 2026 depending on your profile. Maximum term 25 years, minimum down payment 10-20%. Simulate your monthly payment on wafir.ma.
How can I contact NAPS customer service?+
Reach NAPS via the customer number in branch or through https://naps.ma. Standard hours are 8:30am-3:45pm Monday-Friday (8:30am-11:45am Saturday). For urgent files, book an appointment online.
Does NAPS accept Moroccans living abroad (MRE)?+
Yes, NAPS offers a dedicated MRE service: foreign-currency accounts, international transfers, MAD-denominated mortgages with euro collateral. Documents accepted remotely (national ID, passport, country-of-residence income proof).