consumer credit offer

Your simple and fast online consumer loan

Your Daba loan is now available. Apply online easily, without having to travel. Receive a response within 2 hours and benefit from waived application fees for financing of up to MAD 500,000, depending on your profile.*

More information

Finance your projects with peace of mind

A rate of 6.25%

-No application fees (Web exclusive)

-Option to defer the first installment

-Immediate preliminary response

-100% online process, no need to travel

Calculate your monthly payments in a few clicks

Use the online consumer credit simulator and get an instant, personalized estimate, with no obligation.

Start your simulation now by clicking here

3 good reasons to apply for a consumer loan online with us

1. A 100% digital and seamless experience

Your request is done entirely online. Enjoy a secure process without having to go to a branch.

2. Need to defer? It's possible.

Postpone the start of your repayments according to your needs and stay in control at every step.

3. Transparency at every step.

Follow your file online, independently, with visibility on all the steps of your credit approval.

Your request in five steps

1. Simulate Your Loan : Get a personalized simulation of your personal loan.

2. Create Your Profile : Enter your personal information and current situation.

3. Get yourself approved : Receive immediate preliminary approval once your application is validated.

4. Complete Your File : Upload your supporting documents through your personal online account.

5. Finalize at the Branch : Present your original documents and sign the contract in a single visit.

A consumer loan tailored to each life project

Use your money as you see fit, without having to account to us for your projects.

Work and improvements: Renovation, kitchen, decoration finance your home improvement projects with a quick release of funds, no invoices required.
Training and professional development: Certified training, career change, skills development invest in your future with Bank of Africa by your side.
Travel and leisure: Family vacations, sports equipment, personal projects enjoy a quick release of funds, with no usage conditions.
Unexpected expenses: Meadical fees, urgent repairs, occasional needs our online consumer credit gives you the financial flexibility you need, quickly.

Example of quick credit, Your project for 100,000 Dhs

The total amount due is 116,880 DH.

For a Consumer Loan of 100,000 DH, you repay 60 monthly installments of 1,948 DH excluding insurance.

The monthly cost of insurance is added to the above installments*
Example given for indicative purposes only, excluding insurance and according to conditions.

Your questions, our answers

The online subscription request is accessible to ALL: customer or non-customer of BANK OF AFRICA residing in Morocco. Whether you are an employee, civil servant or retiree.

For more information, please contact the customer service center on 080 100 8100.

Step 1: Fill in the information on our consumer credit simulator, enter the confirmation code received by SMS and discover the result of your simulation.

Step 2: Fill in or validate your information (surname, first name, email) in order to allow the creation of your profile and the follow-up of the processing of your online request. You have the choice between a simplified creation of personal space using your same BMCE Direct credentials, or through the entry of your personal information directly. As soon as the "profile" step is finalized, you will be required to fill in the detailed form of your situation.

Step 3: Obtain the principle agreement immediately (subject to compliance with the conditions of granting and eligibility for credit) accompanied by a detailed personalized simulation of your loan.

Step 4: As soon as you get a principle agreement, you can start assembling your file online, without having to go to a branch. Your complete file is taken care of by our telephone advisors who will assist you in the process.

Step 5: As soon as your request is granted, you are notified via your personal follow-up space, by email and also by one of our advisors. A copy of your contract is sent to you by email. You can then go to the branch with your originals of supporting documents.