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Motora

Finance & Insurance

Loan, lease-to-own, leasing and insurance — simulate, compare and move forward, with our authorised partners.

Key indicators

Morocco buys on credit

≈ 70 %
Finance penetration

Share of new vehicles bought on credit or lease rather than cash.

≈ 8 / 10
Monthly-led decisions

Financed buyers who decide on the monthly first, before the sticker price.

≈ 75 %
WhatsApp-first contact

First touches that happen on WhatsApp rather than call or form.

Illustrative — sector sources, to confirm

What can my budget afford?

What can my budget afford?

What can my budget afford?

Monthly budgetMAD 4,000
Down paymentMAD 20,000

Recommended down payment 15–20%

Maximum vehicle price

Up to MAD 223,503

Estimated at an indicative APR of 6.9%, insurance excluded

View eligible vehicles

Indicative simulation, excluding optional insurance. Subject to application approval and the pre-contractual credit offer. APR compliant with the Bank Al-Maghrib circular. A loan commits you and must be repaid. Statutory 7-day cooling-off period.

Transparent financing

Simulate, decide, finance in 30 minutes.

Finance calculator

Finance calculator

Vehicle priceMAD 400,000
Down paymentMAD 80,000

Estimated monthly payment

MAD 6,290

Indicative APR
6.9 %
Total cost of credit
MAD 57,400
Get pre-approval

Indicative simulation, excluding optional insurance. Subject to application approval and the pre-contractual credit offer. APR compliant with the Bank Al-Maghrib circular. A loan commits you and must be repaid. Statutory 7-day cooling-off period.

Get pre-approved

Get a financing pre-approval within 48h, with no commitment.

Pre-approval in 48h

MAD 80,000
Estimated monthly paymentMAD 6,290

Indicative estimate: MAD 80,000 down · 60 mo · APR Indicative APR 6.9 %

credit

Crédit classique

How would you like us to reach you?

Reply within 30 minData protected (Law 09-08)

Standard loan

Lease-to-own (lease with purchase option)

Long-term lease / fleet

Our financial partners

  • Wafasalaf
  • Salafin
  • Sofac
  • Mobilize Financial Services
  • Volkswagen Financial Services
  • BMW Financial Services
  • Crédit bancaire partenaire
  • Finance via Mobilize Financial Services
  • Finance via Volkswagen Financial Services
  • Finance via BMW Financial Services

Documents required

  • Valid national ID card (CIN)
  • Last 3 payslips or proof of income
  • Bank statements for the last 3 months
  • Recent proof of address

Frequently asked questions

  • How is the displayed monthly payment calculated?
    The “from X MAD/month” figure is computed by our simulator from an indicative down payment, a standard term and an indicative APR. It is an estimate and remains subject to your file being approved by the finance provider.
  • What is the APR (TAEG) and why show it?
    The APR (TAEG) bundles the interest rate with mandatory fees: it is the only figure that lets you compare two offers honestly. We always display it, for transparency and compliance.
  • Credit, lease-to-own (LOA), long-term lease (LLD): what's the difference?
    Classic credit makes you the owner at the end. LOA (lease with a purchase option) offers a lower monthly and the choice to buy later. LLD (long-term lease) often bundles maintenance, with no purchase option. We steer you to the product that best fits your use and budget.