Crédit Conso En Ligne

Consumer Loan for Civil Servants and Self-Employed Professionals

Receive a response within 2 hours and benefit from waived application fees for a loan of up to MAD 200,000.*

More information

A rate that includes your activity

A rate of 6.25%

-No handling fees (Web exclusive)

-Option to defer the first installment

-Immediate preliminary response

-100% online process, no need to travel

Estimate your online consumer credit installments

Make an online and simple consumer credit simulation to get a personalized estimate.

Start your simulation now by clicking here

3 good reasons to choose this professional consumer credit

1. Keep control of your cash flow

The possibility of deferring your first installments allows you to adjust the repayment to your cash flow cycle, and to maintain your financial balance.

2. Total visibility on your financing

Clear conditions, fixed rate, predictable deadlines. You know exactly what you are repaying, month after month, with no hidden fees.

3. Go straight to the essential

All procedures are digitalized. Simulate, create, and track your file online, without interrupting your activity.

A smooth 5-step process, adapted to your daily life

1. Do your simulation, then check out your personalized offer

2. Create your profile, and enter your personal information

3. Get yourself approved, and get your immediate preliminary approval*

4. Create your file, and track your request

5. Go to the agency, to make your request happen

Financing that takes into account the challenges of your business

Because your status as a liberal professional requires responsiveness, we offer you a loan adapted to the reality of your profession and to the management of your time

Modernize your workspace or renew your medical and technical equipment.
Finance your continuing education and specialized certifications.
Opt for a new vehicle suited to your professional and personal travel.
Anticipate your tax deadlines or manage unexpected personal cash flow issues.
Personalized support by our online advisors

Example of financing simulation

Your project of 100,000 Dhs will cost you 116,880 DH.

For financing of 100,000 DH, you will repay 60 monthly installments of 1,948 DH (excluding insurance).

The monthly cost of insurance is added to the above installments.
Example given for informational purposes only, subject to approval of the application and according to the conditions in force.

Discover our offer dedicated to those who practice a liberal profession

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.