Salafin
Subsidiary of Bank of Africa (ex-BMCE), Salafin is a major player in consumer credit in Morocco with a 100% digital process.
Products offered
- Personal loan
- Car loan
- Home improvement loan
- Debt consolidation
- Online loan
Key strengths
- 100% digital
- Fast response (24h)
- Competitive rates
- Mobile app
Geographic presence
Related free tools
About Salafin
Salafin is a financing company subsidiary of Bank of Africa (ex-BMCE), specialized in consumer credit. It stands out for its resolutely digital positioning, with a 100% online subscription process and response in under 24 hours.
The company offers personal loans, car loans, home improvement loans, and debt consolidation solutions. Its rates starting at 7% for the best profiles are competitive compared to the market.
Salafin invests heavily in digitalizing its services, with a high-performance mobile app and simplified customer journey. It is the preferred choice for connected clients seeking speed and simplicity.
Customer reviews for Salafin
Loan released in 72h
Complete file at the branch, fast approval, funds transferred within 3 days. Quoted rate respected.
Nadia K. · March 2026
No-salary-transfer solution
Key advantage: no need to change banks. A plus for fixed-term or self-employed profiles.
Hicham E. · April 2026
Fees worth negotiating
Quoted rate is fine but the file fees are at the max. Remember to negotiate before signing.
Imane F. · May 2026
Reviews aggregated from Google My Business, Trustpilot and wafir.ma — updated monthly
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Compare Salafin with other finance companys
Use our free tools to compare rates and conditions across the entire Moroccan market.
Frequently asked questions about Salafin
How do I simulate a Salafin loan online?+
Use the wafir.ma simulator: enter the desired amount, term and your net monthly income. You get the indicative Salafin monthly payment, total cost and APR in under 30 seconds, no commitment.
What is Salafin's rate in 2026?+
Salafin applies APRs between 6.5% and 12% depending on profile and amount borrowed in 2026. Best rates (6.5-8%) are reserved for strong files (permanent contract, seniority, income > MAD 5,000/month). Compare on wafir.ma.
What documents are required for a Salafin loan?+
For a Salafin file, provide: valid national ID, last 3 payslips or last 2 financial statements (self-employed), 3 months of bank statements, employment certificate and proof of address. Disbursement within 24-72h after approval.
Can I prepay a Salafin loan?+
Yes, Moroccan law 31-08 allows partial or full early repayment of Salafin loans. Penalties may apply (0.5-1% of the prepaid principal) except for repayment in the contract's last 3 months.
Does Salafin accept civil servants?+
Yes, Salafin grants loans to public-sector civil servants with preferential terms (APR -50 bps, direct salary deduction via CNOPS/CMR). Simplified file, fast decision.