Lending software for Morocco

Morocco's microcredit associations and participative banks both need flexible, French-first lending software. lendhero arrives with Creditinfo Maroc, CNIE validation and Instant transfers already connected, so your team configures products instead of plumbing.

See the local stack
  • MAD (DH)
  • French, Arabic
  • 14 local connectors
  • 1–2 weeks to launch

Bonjour, Salma

Approved15 000 MAD

714

Credit score

On-time payments

Monthly payment1 480 MAD

Market profile

Morocco at a glance

What lendhero is set up for in Morocco before your team logs in.

Currency

MAD (DH)

Languages

French, Arabic

Supervisor

Bank Al-Maghrib

Credit data

Creditinfo Maroc

Payout rails

Instant transfers, M-wallet, Cash Plus

Data protection

Law 09-08

14
local connectors wired in before kickoff
MAD
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: French, Arabic

Working with borrowers in Morocco

Tools for every borrower conversation

Borrowers in Morocco apply, sign, pay and come back for repeat loans in French and MAD.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by WhatsApp Business and Infobip automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowInfobip
New receipt in your portalSMS

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in French.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Salma · Consumer loan, 6 months · 15 000 MAD

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Morocco stack, connected before kickoff.

Bureaus, identity, bank data, payment rails and messaging that lenders in Morocco rely on. Anything missing is added through the open API.

  • Credit bureaus & registries1 connector
    • CCreditinfo Maroc
  • Identity & KYC2 connectors
    • CCNIE validation
    • SSmile ID
  • Bank & alternative data1 connector
    • BBank statement parsing
  • Disbursement rails3 connectors
    • IInstant transfers
    • MM-wallet
    • CCash Plus
  • Repayments & collections3 connectors
    • CCash Plus
    • WWafacash
    • BBank debit
  • Messaging3 connectors
    • WWhatsApp Business
    • IInfobip
  • E-signature2 connectors
    • DDocuSign

Checks and payments

Who borrows and how money moves in Morocco

Applicants are checked with Creditinfo Maroc, and money moves via Instant transfers and M-wallet.

Client checks

Checks connected in Morocco:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationCNIE validation, Smile IDPass
  • Credit bureausCreditinfo MarocPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBank statement parsingReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Morocco:

DisbursementInstant transfers, M-wallet, Cash Plus in MAD
RepaymentCash Plus, Wafacash, Bank debit
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • Instant transfers
  • M-wallet
  • Cash Plus
  • Wafacash
  • Bank debit

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in MAD are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

15 000 MAD

On track
Auto-calculated · 200+ parametersManual edit
Repaid 5 350 MAD of 16 050 MAD2 of 6 payments
DateAmountStatus
Sep 42 680 MADPaid
Oct 42 680 MADPaid
Nov 42 680 MADDue in 7 days
Dec 42 680 MADUpcoming
Jan 42 680 MADUpcoming
Reminder sentYour payment of 2 680 MAD is due Nov 4

Loan flow

How a loan runs in Morocco. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in French and Arabic.
  2. 02VerifyIdentity and documents are checked through CNIE validation and Smile ID.
  3. 03DecideScorecards pull Creditinfo Maroc data and return a decision in seconds.
  4. 04DisburseFunds go out via Instant transfers or M-wallet in MAD, straight after signing.
  5. 05CollectRepayments arrive via Cash Plus and Wafacash, with reminders over WhatsApp Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

15 000 MAD

Next payment

2 680 MAD · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

SalmaVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Morocco launch on .

MicrocreditGroup and individual loans for microcredit associations.
Consumer creditPersonal and auto credit for finance companies.
Islamic financingMurabaha products for participative banks.

Compliance

Configured for Bank Al-Maghrib and Law 09-08.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Morocco.

Hosting & data residency

Cloud or on-premise deployment, with data stored where Law 09-08 requires.

Consent & privacy

Borrower consents are captured, versioned and logged under Law 09-08.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for Bank Al-Maghrib rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in North Africa

All Africa markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in Morocco?+

Yes. The platform is set up for MAD, French and Arabic and Bank Al-Maghrib requirements, with 14 local connectors ready on day one.

Which credit data sources are connected in Morocco?+

Creditinfo Maroc. On top of that, identity checks run through CNIE validation and Smile ID and bank data comes from Bank statement parsing.

How do borrowers get paid and repay?+

Payouts go out via Instant transfers, M-wallet and Cash Plus in MAD. Repayments arrive via Cash Plus, Wafacash and Bank debit, with reminders over WhatsApp Business and Infobip.

How long does a launch in Morocco take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 14 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Morocco? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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