Valu, Egypt’s leading universal financial technology powerhouse, has launched instant large-ticket financing through its app, starting from EGP 1 million, enabled by a new underwriting and decisioning process that requires only a National ID. Designed to support home finishing and refurbishment projects, cover school and university tuition, and facilitate the purchase of new and used cars, the offering expands access to credit for self-employed, mass-affluent, and under-documented customer segments often underserved by traditional banks due to non-standard income and employment structures.
High-value consumer financing has typically come with long approval cycles, heavy documentation, income verification, physical inspections, and days or weeks of waiting, often delaying purchases and renovations and keeping many borrowers out of the market altogether. Valu says its new app feature aims to eliminate these bottlenecks by providing real-time credit decisions without income proof, contact-point verification (CPV), or home and business investigations, enabling customers to secure financing when they need it and proceed with greater certainty.
Mostafa El-Sahn, Valu’s Chief Risk Officer, said the new app feature is designed to “make large-ticket consumer finance faster, simpler and more reasonable.” “By relying on the National ID as the only required document, independently valuing the asset being financed, and bringing predictive risk assessment, income estimation, dynamic down-payment settings, and risk-adjusted pricing into a single, real-time workflow, we can issue instant approvals that previously required extensive checks,” he said. “That improves transparency and access, while ensuring decisions remain commercially sound and supportive of long-term portfolio performance.”
El-Sahn added that the launch comes amid rising asset prices and growing demand for instant credit decisions on high-value purchases, underscoring the need for objective valuation and responsible lending. To curb over-financing, the product includes an independent valuation of the underlying asset, aligning approved loan amounts with assessed market value rather than merchant-set pricing. It also applies dynamic down-payment requirements and risk-adjusted pricing tailored to each customer’s profile, supporting greater transparency and consistency in outcomes. Approved facilities are issued as non-revolving, fixed-term installment plans, giving customers predictable monthly payments and clearer repayment visibility.
As part of its continued focus on delivering a fully integrated digital experience, Valu has also enhanced its app with Shop’IT instant checkout, a recently launched feature, allowing customers to complete their purchase end-to-end directly in the app using Valu as a payment method, without leaving the platform. Customers can browse across different merchants and offers, check out seamlessly in seconds, and earn cashback on every transaction, creating a smoother and more rewarding shopping journey.
In addition, Valu has introduced an in-app help center, enabling customers to submit inquiries, tickets, and service requests directly in the app rather than contacting the call center. This enhancement simplifies customer support, giving users greater control and visibility over their requests while managing all their Valu needs in one place.
Moreover, customers who pay using Valu’s prepaid card—topped up through any method other than their Valu limit—can redeem the amount paid as cash through Sha2labaz and repay it over up to 60 months, without the need to submit an invoice.
Omar Abdelhady, Chief Products and Growth Officer of Valu, commented: “At Valu, we are focused on digitizing our products and services end to end, creating a fully integrated digital experience that puts customers in control. Shop’IT instant checkout, the in-app help center, and Sha2labaz’s new feature reflect our commitment to simplifying financial interactions and making everyday products, transactions, and support seamless within the Valu ecosystem.”
