Valu, Egypt’s leading financial technology platform, has launched instant high-value consumer financing through its app, starting from EGP 1 million. The solution requires only a National ID and leverages a new underwriting and decisioning process designed to serve self-employed, mass-affluent, and under-documented customers often excluded by traditional banks. Eligible use cases include home finishing and refurbishment, education tuition, and purchasing new or used cars.
Eliminating Traditional Bottlenecks
High-value financing traditionally involves long approval cycles, extensive documentation, income verification, and physical inspections, often delaying purchases. Valu’s new app feature removes these barriers by providing real-time credit approvals without income proof, contact-point verification, or on-site inspections, enabling faster and more confident financial decisions.
Smart, Risk-Aware Credit Decisions
Mostafa El-Sahn, Valu’s Chief Risk Officer, highlighted that the app combines predictive risk assessment, independent asset valuation, income estimation, dynamic down-payment settings, and risk-adjusted pricing into a single workflow. This system ensures approvals are fast, transparent, and commercially sound while supporting long-term portfolio performance.
Approved loans are issued as non-revolving, fixed-term installment plans, giving customers predictable monthly payments and clear repayment visibility. Independent asset valuations align financing with true market values, while dynamic down-payment and risk-adjusted pricing provide tailored, responsible lending.
Enhanced Digital Experience with Shop’IT
Valu has upgraded its app with Shop’IT instant checkout, enabling end-to-end purchases directly within the app. Customers can browse merchants, check out seamlessly in seconds, and earn cashback, creating a streamlined and rewarding shopping experience.
In-App Help Center and Sha2labaz Feature
The new in-app help center allows users to submit inquiries and service requests directly, improving support efficiency and user control. Additionally, Valu’s prepaid card users can redeem payments as cash through Sha2labaz and repay over up to 60 months without submitting invoices, enhancing flexibility and convenience.
Commitment to a Fully Integrated Digital Ecosystem
Omar Abdelhady, Chief Products and Growth Officer, emphasized that Valu aims to provide a fully digitized, end-to-end experience. Features like Shop’IT checkout, the in-app help center, and Sha2labaz reflect the company’s focus on simplifying financial interactions and delivering seamless, customer-centric digital services.
