Vivalis Salaf
Vivalis Salaf is a financing company subsidiary of the Chaabi group (Banque Populaire), specialized in consumer credit for Banque Populaire network clients.
Products offered
- Personal loan
- Car loan
- Revolving consumer credit
- Debt consolidation
- Civil servant loan
Key strengths
- Integration with Banque Populaire network
- Civil servant agreement
- MRE offers (BP Chaabi)
- Direct subscription in BP branches
Geographic presence
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About Vivalis Salaf
Vivalis Salaf is the consumer financing company of the Banque Populaire group, present in all BP network branches across the Kingdom. Its strength: total integration with the commercial bank, allowing a BP client to obtain a consumer loan directly through their usual advisor, with accelerated decisions thanks to internal scoring.
Its range covers personal loans (up to 600,000 MAD, 7 years), new and used car loans, revolving credit, and a preferential-rate civil servant offer via the framework agreement between Banque Populaire and CMR/CNOPS. MREs enrolled in the Chaabi Net scheme also benefit from dedicated credit lines.
Vivalis Salaf has a particularly strong presence in regions with large diasporas (Oriental, Beni Mellal-Khénifra), supporting the MRE action of the Banque Populaire group.
Customer reviews for Vivalis Salaf
Crédit débloqué en 72h
Dossier complet en agence, validation rapide, fonds virés sous 3 jours. Taux annoncé respecté.
Nadia K. · March 2026
Solution sans domiciliation
Avantage clé : pas besoin de changer de banque. Bon point pour les profils CDD ou indépendants.
Hicham E. · April 2026
Frais à négocier
Taux annoncé OK mais frais de dossier au max. Pensez à négocier avant signature.
Imane F. · May 2026
Reviews aggregated from Google My Business, Trustpilot and wafir.ma — updated monthly
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Frequently asked questions about Vivalis Salaf
How do I simulate a Vivalis Salaf loan online?+
Use the wafir.ma simulator: enter the desired amount, term and your net monthly income. You get the indicative Vivalis Salaf monthly payment, total cost and APR in under 30 seconds, no commitment.
What is Vivalis Salaf's rate in 2026?+
Vivalis Salaf 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 Vivalis Salaf loan?+
For a Vivalis Salaf 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 Vivalis Salaf loan?+
Yes, Moroccan law 31-08 allows partial or full early repayment of Vivalis Salaf loans. Penalties may apply (0.5-1% of the prepaid principal) except for repayment in the contract's last 3 months.
Does Vivalis Salaf accept civil servants?+
Yes, Vivalis Salaf grants loans to public-sector civil servants with preferential terms (APR -50 bps, direct salary deduction via CNOPS/CMR). Simplified file, fast decision.