Egypt's BNPL space is growing, but it's growing upward. The polished apps chase the same digitally-affluent, mid-to-upper income customer. At the other end sit banks and microfinance: slow, bureaucratic, and loaded with the kind of paperwork and judgment that makes ordinary Egyptians feel unwelcome before they've even started.
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.
Completed Projects
Years Active
SQM Built
Presence Client
By The Numbers
2026
Dignity
Service withoutshame
or judgment.
Trust
Earned honestly, againstskepticism
and fear.
Refuge
Somewhere to turn when youfeel lost and unsupported.
Simplicity
Clarity over confusionand
exclusion.
Belonging
You're an insiderhere,
not an outsider.
Security
Steadiness againstanxiety
and uncertainty.
Progress
Movement forward,
never stagnation.
Honesty
Straight talk,
never deception.
Humanity
Treated as a person,
never a number.
A household name people trust the way they trust family.
Access · Fairness · Dignity
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