valU
Fintech
valU is an Egyptian buy-now-pay-later and consumer finance platform, founded in 2017 as a subsidiary of EFG Hermes/EFG Holding. It offers installment purchase plans of up to 60 months across thousands of retail and e-commerce partners and holds an FRA fintech license. It listed on the Egyptian Exchange in 2025 under the legal name U Consumer Finance S.A.E.
Featured Products by Need
valU
Buy Now, Pay Later
U is valU's buy-now-pay-later financing: customers get a credit limit in the valU app and split purchases into customisable plans of up to 60 months at 7,500+ points of sale and 1,500+ websites and apps across Egypt. Repayment is in monthly instalments; under valU's terms, instalments unpaid by the fifth day after their due date may incur a monthly late penalty of up to 10% of the unpaid amount. valU is licensed by Egypt's Financial Regulatory Authority for consumer finance and may consult the customer's credit file.
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Institution Profile
Products offered
- Buy Now, Pay Later1
Sharia / Conventional
Overview
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Regulation & Licenses
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Frequently asked questions about valU
- How many products from valU are on Qrar360?
- Qrar360 lists 1 product from valU.
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