MENA’s Leading
 Financial 
Technology
 Powerhouse

Buy Now Pay Later across a super vast network of over 9000 stores and online platforms. Choose from flexible plans from 1 up to 60 months.

Valu offers flexible payment solutions to fit your needs. From prepaid card with up to 60 months tenures to co-branded credit card with a separate limit and exclusive perks.

Valu’s integrated marketplace offers you a wide selection of products from top local and international brands, exclusive deals, instant cashback, and different payment methods—all directly within Valu App.

Redeem your paid invoices instantly through Valu app. Repay them over 60 months.

Valu Loans enables you effortlessly access financing for specific purchases, exactly when you need it. Enjoy the convenience and control of Valu Loans today.

Send and receive our e-gift card and let your loved ones choose what they want.

The easiest way to finance your new car. With just your National ID, you can purchase from any showroom, friend, or relative. Our lighting fast approval process means you can be driving your dream car in no time.

Our exclusive financing options, you can turn your dreams into reality, from high-end fashion and electronics to dream vacations, home renovations, and exotic cars.

Discover Valu Invest’s AZValu, a money market fund with daily compounding returns. Also, access EFG Hermes ONE through the Valu app to trade seamlessly and take control of your financial future.

Valu Business is a tailored platform for SMEs to manage workforce and operations with ease. From expansion to daily tasks, get the tools and support you need to grow confidently.