Not a digit
A Human

Regulated, dignified, and affordable consumer finance
About Malaz
Malaz Consumer Finance is an Egyptian Joint Stock Company licensed by the Financial Regulatory Authority. We provide structured consumer finance to Egyptian families and to the partners who serve them — through a traditional, relationship-led model that has always been the way credit works properly in this market: in person, on paper, with people who know the customer by name.
Our Vision

To be Egypt's most trusted consumer finance institution

We aim to set the standard for how a regulated lender should operate in Egypt. That means consistent underwriting discipline, transparent pricing, contracts written in language customers actually understand, and a service standard that improves with every cohort we onboard. Once that foundation is proven, we will extend the relationship through a digital application and platform that respects the same standards, making access easier without compromising the discipline that earned the trust.
Our Approach

Dive operating principles

  • Discipline before speed.
    Every Malaz origination is underwritten against income, identity, and intent. We will not grow by relaxing standards. The portfolio's quality is the company's quality.

  • Presence before pixels.
    We meet customers and partners in person before we meet them on a screen. The relationship comes first; the technology extends it.

  • Contracts that customers can read.
    We write our consumer agreements in language an ordinary family can understand. Hidden fees and ambiguous terms are not how we win.

  • Regulation as identity, not paperwork.
    Our FRA license is not a checkbox. It is the foundation of how we operate, what we are willing to offer, and how we are governed.

  • Long after the loan is paid.
    The customer who repaid us in full last year is more valuable than the new application we approved yesterday. We build for the second loan, not the first.

Ready to start your
financing journey