Wafasalaf
Morocco's consumer credit leader with a net banking income of 1.28 billion dirhams. Subsidiary of Attijariwafa Bank.
Products offered
- Personal loan
- Car loan
- Earmarked loan
- Revolving credit
- Debt consolidation
Key strengths
- #1 in consumer credit
- Rates from 6.5%
- Fast processing
- 130+ branch network
Geographic presence
Related free tools
About Wafasalaf
Wafasalaf is the undisputed leader in consumer credit in Morocco, with a net banking income of 1.28 billion dirhams and 7.8% annual growth. A subsidiary of Attijariwafa Bank, it offers the widest range of consumer credit products on the market.
With rates starting at 6.5% for the best profiles, Wafasalaf offers personal loans, car loans (new and used), earmarked loans for home equipment, and debt consolidation solutions. A network of over 130 branches and online subscription enable fast application processing.
Wafasalaf stands out for its partnerships with major car and appliance brands, regularly offering promotional rates. Compare Wafasalaf's offers with other financing companies on Wafir.ma.
Customer reviews for Wafasalaf
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 Wafasalaf with other finance companys
Use our free tools to compare rates and conditions across the entire Moroccan market.
Frequently asked questions about Wafasalaf
How do I simulate a Wafasalaf loan online?+
Use the wafir.ma simulator: enter the desired amount, term and your net monthly income. You get the indicative Wafasalaf monthly payment, total cost and APR in under 30 seconds, no commitment.
What is Wafasalaf's rate in 2026?+
Wafasalaf 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 Wafasalaf loan?+
For a Wafasalaf 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 Wafasalaf loan?+
Yes, Moroccan law 31-08 allows partial or full early repayment of Wafasalaf loans. Penalties may apply (0.5-1% of the prepaid principal) except for repayment in the contract's last 3 months.
Does Wafasalaf accept civil servants?+
Yes, Wafasalaf grants loans to public-sector civil servants with preferential terms (APR -50 bps, direct salary deduction via CNOPS/CMR). Simplified file, fast decision.