MENA’s Leading
Financial
Technology
Powerhouse

A full suite of products to help you buy, borrow, invest and more.

Products

Brief description
about products

Discover the
Valu in every
moment

Upgrade your shopping game.

Upgrade your
shopping
game.

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

Effortless payments & exclusive perks.

Easy payments
& exclusive.

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

Smarter shopping, bigger rewards

Smarter shopping,
bigger rewards.

Valu’s integrated marketplace offers you a wide selection of products from top local and international brands, exclusive deals, instant cashback, and pay with any method you prefer—all directly within Valu App.

Need cash fast?

Need cash
fast?

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

Your ultimate tool for financial flexibility.

Your ultimate
tool for financial
flexibility.

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

Gift with ease.

Gift with
ease.

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

Finance your dream car.

Finance your
dream car.

The easiest way to finance your new car. With just your National ID, you can purchase from any showroom, friend, or relative. Our 2-hour approval process means you can be driving your dream car in no time.

Discover the world of luxury with Ulter.

Discover the
world of luxury
with Ulter.

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.

Invest Smarter.

Invest
Smarter.

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.

Built to power your business forward.

Built to power
your business
forward.

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.