Crédit joker <b> PL </b>

Are you a self-employed professional looking for a flexible financing solution available at any time?

The Joker PL Credit from BANK OF AFRICA is the solution. The Joker credit for self-employed professionals is a pre-approved amortizable credit, which means you can activate it at any time and allows you to stagger your expenses for financing your activity according to the chosen payment method, such as card, check, or transfer. The use of this credit is simple and convenient. You can activate it at the Customer Relationship Center, by contacting your branch, or use BMCE Direct to make your requests. You have the possibility to use your credit line gradually, based on your repayments, within the authorized amount limit.

Furthermore, the Joker Credit for self-employed professionals allows you to benefit from early repayment without penalty. You have the freedom to fully repay one or more uses (drawings) at any time, and you can also request the closure of the credit line. In terms of amount and duration, the Joker Credit line (PL) can range from 5,000 to 30,000 DH, up to 40% of your Estimated Monthly Income (EMI). The validity period of the line is 12 months and can be renewed each year, subject to verification of eligibility conditions such as the beneficiary's age, salary domiciliation, and debt ratio.

5 good reasons to choose us

The Joker PL Credit from BANK OF AFRICA is an advantageous financing solution for self-employed professionals. Here are the main advantages it offers:

Flexible financing amount: Benefit from a financing amount adapted to your professional needs, ranging from 5,000 to 30,000 Dh.
Staggered repayment: Enjoy staggered repayment over a determined period, adjusting your payments according to your financial capacity.
Flexibility in fund usage: Use the granted funds for various professional needs such as equipment purchase, expenses related to your activity, or unforeseen expenses.
Simplicity of application and management: Easily apply for credit at the Customer Relationship Center (CRC), your bank branch, or via BMCE Direct web.
Reusable credit line: Take advantage of a reusable credit line, allowing you to gradually access funds within the authorized amount.

Discover the Joker Credit for self-employed professionals and benefit from a tailor-made financing solution for your business.

Bien s’informer

Any self-employed professional (excluding lawyers and notaries) in need of short-term financing may apply for this credit.

The Joker credit is a cash reserve that allows you to finance your projects with an amount of up to 30,000 DHS. This cash reserve is available to you at any time to deal with your future unexpected expenses or to finance your favorite projects.

You can use your cash reserve at any time, in one or multiple transactions, as soon as your file is processed at your branch. You can also trigger remote uses without any formalities by accessing your personal space on BMCE Direct or by contacting the CRC.

You can borrow up to 50,000 DHS with the Joker credit from BANK OF AFRICA.

To obtain a Joker credit, you need to contact your BANK OF AFRICA branch and inquire about the terms and conditions for obtaining this credit. Once your file is complete, you can benefit from your cash reserve and use it at any time according to your needs.