Our Comparison Methodology
How Wafir.ma compares credit and insurance offers in Morocco. Our sources, our criteria, our commitment to independence.
6 principles that guide our work
Verified official sources
Our data comes directly from Moroccan banks and insurers, as well as regulatory sources: Bank Al-Maghrib (bkam.ma), ACAPS, APSF and GPBM. Every displayed rate is verified with the relevant institution.
Regular updates
Rates and conditions are updated at least once a month, and immediately after any Bank Al-Maghrib key rate decision. Every page displays its last update date.
Editorial independence
Wafir.ma does not favour any bank or insurer in its rankings. The display order is determined by the most advantageous rate for the user, not by commercial agreements. Our revenue comes solely from connecting users with professionals, never from ranking position.
Criteria transparency
For each comparison, we clearly display: the APR (Annual Percentage Rate), processing fees, eligibility conditions and mandatory insurances. No hidden costs.
Expert editorial committee
Our content is written by Moroccan financial sector experts: former bank advisors, insurance specialists and financial journalists. Every article is signed and reviewed before publication.
Data protection
Your personal information is never shared without your explicit consent. Simulations are anonymous. We comply with Law 09-08 on personal data protection in Morocco.
How we build our comparisons
Data collection
We collect pricing grids, general terms and product sheets directly from banks, finance companies and insurance providers operating in Morocco.
Standardisation
Offers are normalised against common criteria (APR, term, amount, guarantees) to enable fair and objective comparison between institutions.
Cross-verification
Each data point is verified by cross-referencing with Bank Al-Maghrib official publications, APSF reports and the schedules communicated by institutions.
Ranking by customer benefit
Results are ranked from the lowest to the highest rate, or by the best guarantees/price ratio for insurance. The ranking is purely algorithmic, with no commercial intervention.
Continuous updates
Our team monitors bank communications and BAM decisions to update data as soon as any change is announced.
Our data sources
Key rate, monetary statistics, banking regulation
Insurance and Social Welfare Control Authority — licences, reference tariffs
Professional Association of Finance Companies — credit market data
Professional Grouping of Moroccan Banks — banking conditions
National Agency of Land Conservation — notary fees and taxes
Pricing grids published by each banking institution and insurer
Report an error
If you notice inaccurate or outdated data on Wafir.ma, contact us immediately via WhatsApp at +212 664 346 666. We commit to correcting any error within 24 business hours.