Qu'est-ce que le rachat de crédit ?

Le rachat de crédit (ou regroupement de credits) consiste à regrouper plusieurs credits en cours en un seul prêt, généralement avec une duree plus longue et un taux unique. Cela permet de reduire significativement les mensualités (jusqu'à 60%) et de simplifier la gestion financière avec un seul prelevement mensuel.

Quels types de credits peuvent être rachetes au Maroc ?

Au Maroc, il est possible de racheter presque tous les types de credits : crédit immobilier, crédit consommation, crédit auto, decouvert bancaire, et même certaines dettes personnelles. Le rachat peut concerner un seul crédit (pour renégocier le taux) ou plusieurs credits de nature differente.

Le rachat de crédit coute-t-il plus cher au final ?

Le rachat de crédit reduit les mensualités en allongeant la durée du prêt, ce qui peut augmenter le coût total du credit. Cependant, si le nouveau taux est significativement plus bas, le coût total peut aussi diminuer. L'intérêt principal est de retrouver un budget equilibre et d'eviter le surendettement. Notre simulateur vous montre le coût total avant et apres rachat.

Quelles sont les conditions pour un rachat de crédit au Maroc ?

Les conditions varient selon les organismes mais incluent généralement : être age de 21 à 65 ans, avoir des revenus réguliers, un taux d'endettement actuel superieur à 40%, et des credits en cours sans incidents de paiement majeurs. Un bon historique bancaire facilite l'acceptation du dossier.

Combien de temps prend un rachat de crédit ?

Un rachat de crédit au Maroc prend généralement entre 2 et 6 semaines, du depot du dossier au deblocage des fonds. L'accord de principe est donne sous 48h à 72h. Le delai depend de la complexite du dossier (nombre de credits à racheter, montants, garanties demandees) et de la rapidite de constitution du dossier.

Jusqu'a -60% sur vos mensualités

Loan Consolidation in Morocco: Reduce Your Monthly Payments

Consolidate your loans into one and reduce your monthly payments by up to 60%. Free comparison of loan consolidation offers in Morocco.

Simulate my loan consolidation Compare offers

-60%

Payment reduction

1 seul credit

Instead of several

25 ans

Max duration

10+ banques

Banks compared

How does it work?

Get the best rachat de crédit offer in 3 simple steps

List your current loans

Enter the details of your current loans: amounts, monthly payments, remaining durations and rates.

Estimate your savings

Our simulator instantly calculates the reduction in your monthly payments and the total cost of consolidation.

Finalise your consolidation

Submit your file online. An advisor guides you through to fund disbursement.

Why compare with Wafir.ma?

Powerful tools and free guidance to find the best rachat de crédit

Reduced payments

Consolidate all your loans into one and significantly reduce your monthly payments.

Additional cash

Include an additional cash envelope in your consolidation to finance new projects.

One single contact

Simplify the management of your loans with a single monthly debit and a single institution.

Debt restructuring

Avoid over-indebtedness by restructuring your debts in an optimal way.

Free file study

The feasibility study for your loan consolidation is 100% free and without commitment.

All loan types

Consolidate mortgage, consumer, auto loans and even bank overdrafts.

2026 comparison

Institutions offering loan consolidation in Morocco

Indicative rates updated regularly. Actual rates depend on your profile and loan amount.

Institution	Indicative rate	Max duration	Max amount	Type
Attijariwafa Bank	4.5% - 8%	25 ans	3 000 000 MAD	Banque
BMCE Bank of Africa	4.5% - 8%	25 ans	3 000 000 MAD	Banque
Banque Populaire	4.5% - 8%	25 ans	3 000 000 MAD	Banque
Société Générale Maroc	4.5% - 8%	25 ans	3 000 000 MAD	Banque
BMCI (BNP Paribas)	4.5% - 8%	25 ans	3 000 000 MAD	Banque
Crédit du Maroc	4.5% - 8%	25 ans	3 000 000 MAD	Banque
Wafasalaf	6% - 10%	10 ans	500 000 MAD	Société de financement
Cetelem	6% - 10%	10 ans	500 000 MAD	Société de financement
SOFAC	6% - 10%	10 ans	500 000 MAD	Société de financement

* Rates shown are indicative and subject to change. They depend on the borrower's profile, amount, duration and collateral. Last updated: May 2026.

Everything you need to know about Rachat de Crédit

What is loan consolidation?

Loan consolidation means combining several outstanding loans into one single loan, generally with a longer duration and a single rate. This allows you to significantly reduce monthly payments (by up to 60%) and simplify financial management with a single monthly debit.

What types of loans can be consolidated in Morocco?

In Morocco it is possible to consolidate almost all types of loans: mortgage, consumer, auto, bank overdraft and even some personal debts. Consolidation can cover a single loan (to renegotiate the rate) or multiple loans of different types.

Does loan consolidation end up costing more?

Loan consolidation reduces payments by extending the loan term, which may increase the total loan cost. However, if the new rate is significantly lower, the total cost may also decrease. The main benefit is restoring budget balance and avoiding over-indebtedness. Our simulator shows the total cost before and after consolidation.

What are the conditions for loan consolidation in Morocco?

Conditions vary by institution but generally include: being aged 21 to 65, having regular income, a current debt ratio above 40%, and outstanding loans with no major payment incidents. A good banking history facilitates file acceptance.

How long does loan consolidation take?

Loan consolidation in Morocco generally takes between 2 and 6 weeks, from file submission to fund disbursement. The decision in principle is given within 48 to 72 hours. The timeline depends on the complexity of the file (number of loans, amounts, guarantees) and how quickly the file is assembled.

Ready to find the best rachat de crédit?

Freely compare offers from all banks and financial institutions in Morocco and save on your financing.

Simulate my loan consolidation Compare offers

100% freeNo commitmentResult in 2 min

Loan Consolidation in Morocco: Consolidate and Save

Loan consolidation in Morocco is an increasingly popular financial solution for households looking to lighten their monthly burden. With the proliferation of credit offers (mortgage, consumer, auto), many Moroccans find themselves with several loans to repay simultaneously, which can represent a heavy burden. Loan consolidation allows you to merge all these loans into one with a single and often reduced monthly payment.

The principle is simple: a bank or financial institution repays all your outstanding loans and offers you a single new loan with a negotiated rate and duration. The monthly payment is generally lower because the repayment period is extended. This allows you to regain budget balance, avoid payment incidents and sometimes even include additional cash to finance new projects.

Wafir.ma guides you through your loan consolidation project by comparing offers from all banks and finance companies in the Moroccan market. Our loan consolidation simulator instantly calculates your new monthly payments and the total cost of the operation. A dedicated advisor is available on WhatsApp to study your file for free and direct you to the best offer. Stop waiting and take back control of your budget.

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Rachat de Crédit by city

Casablanca Rabat Marrakech Tanger Fès Agadir Meknès Oujda Kénitra Tétouan Settat Béni Mellal El Jadida Safi Mohammedia Nador Khouribga Laâyoune Dakhla Salé Témara Essaouira Berrechid Bouznika Larache Ouarzazate Chefchaouen Ifrane Berkane Asilah Khémisset Khénifra Errachidia Tiznit Inezgane Aït Melloul Saïdia Skhirat Taroudant Taza Mediouna Tiflet Sidi Slimane Sidi Kacem Sidi Bouknadel Midelt Imzouren Targuist Beni Drar Tan-Tan Guelmim Ouazzane Sefrou Al Hoceïma M'diq Fnideq Fquih Ben Salah Azilal Tinghir Zagora Tafraout Boujdour Ben Guerir Youssoufia Sidi Bennour Bouskoura Dar Bouazza Aïn Harrouda Sidi Ifni Boumalne Dadès Erfoud Rissani Smara Tarfaya Demnate Aït Ourir Souk El Arbaa Taourirt Biougra Ouled Teima El Hajeb Imouzzer Kandar Souk Sebt Oulad Nemma Bhalil Jerada M'hamid El Ghizlane Tata Ben Slimane Outat El Haj Driouch Bouarfa Aousserd Imintanoute Karia Ba Mohamed Boujniba Skoura Lqliaa Drarga Mirleft El Aioun Sidi Mellouk Beni Yakhlef Aghbala Beni Tadjite Aoufous El Borouj Tameslouht Setti Fatma Jorf El Melha

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