Valu Launches Latest Instant Financing Solution Through Its App as Part of Digital Experience

Valu, Egypt’s leading financial technology platform, has announced the launch of its latest instant financing solution through its mobile application, offering financing amounts starting from EGP 1 million using only a national ID card.

The solution is powered by an advanced creditworthiness assessment system that enables instant approvals without requiring additional documentation.

Meeting Evolving Customer Needs

The new financing solution has been designed to address a wide range of customer needs, including home finishing and renovations, payment of school and university tuition fees, and financing the purchase of both new and used vehicles.

Through this step, Valu aims to expand access to credit services to include freelancers, financially capable individuals, and underserved segments whose income structures or business models may not align with traditional banking documentation requirements.

Simplifying Access to High-Value Consumer Financing

The launch is intended to facilitate access to high-value consumer financing without the complexity of lengthy approval cycles, extensive paperwork, income verification requirements, or on-site inspections, which often take days or weeks. These traditional barriers frequently delay purchasing and renovation plans and exclude a significant portion of potential borrowers.

Valu’s new solution addresses these challenges by offering instant credit approvals without requiring proof of income or residential or workplace inspections, enabling customers to access financing quickly and make confident purchasing decisions.

Advanced Risk Assessment and Instant Approvals

Commenting on the launch, Mostafa El‑Sahn, Chief Risk Officer at Valu, said the new solution was designed to simplify and accelerate access to high-value consumer financing.

He explained that financing applications require only a national ID card, alongside an independent valuation of the financed asset. Valu has successfully integrated income assessment, proactive risk evaluation, down payment determination, and risk-based pricing into a unified process.

El-Sahn added that the system enables instant approvals that previously required extensive and time-consuming evaluations, enhancing transparency, improving access speed, and ensuring well-informed credit decisions that support the long-term sustainability of Valu’s financing portfolio.

He further noted that the launch responds to rising asset prices and growing demand for instant, high-value financing solutions, highlighting the importance of responsible financing mechanisms and objective evaluation standards.

Independent Asset Evaluation and Flexible Repayment Plans

To ensure sound financing decisions, financed assets undergo independent valuation to confirm alignment with actual market value rather than merchant-set prices.

The solution also features flexible pricing and down payment structures tailored to each customer’s credit profile, with fixed monthly installment plans and clearly defined repayment schedules.

Fully Integrated Digital Ecosystem

Beyond financing, Valu continues to enhance its integrated digital ecosystem. The company has upgraded its app by integrating instant payment functionality within Shop’IT, a feature that enables customers to complete purchases directly within the application.

This allows users to enjoy a seamless and unified payment experience, explore a wide range of merchants and offers, complete transactions effortlessly, and benefit from cashback on every purchase, creating a more convenient and rewarding shopping experience.

In-App Help Center and Enhanced Customer Autonomy

Valu has also introduced a fully integrated in-app Help Center, allowing customers to submit inquiries, complaints, and service requests directly and track their status in real time without contacting customer service. This feature simplifies support processes and gives users greater control over managing their transactions through a single digital interface.

Additional Benefits Through Valu Card and Shaqlabaz Feature

Customers using the Valu prepaid card, when funded through means other than their Valu credit limit, can recover paid amounts in cash through the Shaqlabaz feature and repay them over flexible plans of up to 60 months without submitting invoices.

Commitment to Full Digital Transformation

Omar Abdelhadi, Head of Product and Development at Valu, commented: “At Valu, we are focused on fully digitizing our products and services to create a comprehensive digital experience that gives customers complete control. The instant payment feature on Shop’IT, the in-app Help Center, and the new Shaqlabaz functionality reflect our commitment to simplifying financial interactions and making everyday financial products, transactions, and support seamless within Valu’s ecosystem.”

Source: Press Release.