EMI Calculator Morocco
Work out your monthly loan instalment in MAD, see the total interest, and compare it against rates Morocco banks actually publish.
Click any bank to use their rate. Green = best deal
See how changes affect your loan
How is EMI calculated?
EMI = P × r × (1+r)n / ((1+r)n - 1). P = loan amount, r = monthly rate, n = months. Our calculator does this instantly.
What's a safe EMI-to-salary ratio?
Keep total EMIs under 40-50% of salary. Banks use Debt Burden Ratio (DBR) — UAE banks cap at 50%.
Longer tenure = lower EMI?
Yes — but you pay more total interest. A 5-year loan costs less overall than a 10-year loan at the same rate.
Loan interest rates in Morocco
Buzdy tracks 4 banks in Morocco with 156 branches across 38 cities. EMI results on this page are shown in MAD. The rates below are the ones those banks publish — use them in the calculator instead of a guess.
Looking for a credit card in Morocco?
Compare what banks in Morocco actually offer — rates, fees and eligibility, updated for 2026.
Credit card interest rates in Morocco
| Card | Bank | Interest rate | Annual fee | Interest-free days |
|---|---|---|---|---|
| Attijari Visa Infinite | Attijariwafa Bank | 1.50% per month | — | — |
| Attijari Visa Platinum | Attijariwafa Bank | 1.50% per month | — | — |
| Attijari Visa Gold | Attijariwafa Bank | 1.50% per month | — | — |
| BMCE World Mastercard | BMCE Bank of Africa | 1.50% per month | — | — |
| BMCE Visa Platinum | BMCE Bank of Africa | 1.50% per month | — | — |
| BMCE Visa Gold | BMCE Bank of Africa | 1.50% per month | — | — |
| BP Visa Platinum | Banque Populaire | 1.50% per month | — | — |
| BP Visa Gold | Banque Populaire | 1.50% per month | — | — |
| CIH Visa Platinum | CIH Bank | 1.50% per month | — | — |
| CIH Visa Gold | CIH Bank | 1.50% per month | — | — |
Relevant if you convert a card purchase into monthly instalments. 10 cards with a published rate.
Worked example — repaying MAD 100,000 of card balance over 5 years in Morocco
- Balance
- MAD 100,000
- Rate used
- 1.5% per month (≈18% a year)
- Tenure
- 60 months
- Monthly EMI
- MAD 2,539
- Total interest
- MAD 52,361
Rate taken from Attijari Visa Infinite (Attijariwafa Bank) — the lowest published credit card rate we hold for Morocco. Buzdy does not yet hold personal loan rates for Morocco, so this uses card interest — the rate that applies when you convert a purchase to instalments or carry a balance. Change the numbers in the calculator above for your own case.
Banks we track in Morocco
Keep going in Morocco
Guides for Morocco
Morocco — frequently asked questions
What does MAD 100,000 on a credit card cost per month in Morocco?
At 18% a year over 60 months the instalment works out at about MAD 2,539, or MAD 52,361 of interest in total. That rate comes from Attijari Visa Infinite by Attijariwafa Bank, the lowest published credit card rate Buzdy holds for Morocco. We do not yet hold personal loan rates for Morocco — bank loan rates are usually well below card rates.
What interest rate do credit cards charge in Morocco?
Across the 10 cards with a published rate in Morocco, quoted rates run from 1.5% per month to 1.5% per month. Card interest only applies if you carry a balance past the interest-free period.
Where can I apply for a loan in Morocco?
Buzdy maps 156 bank branches in Morocco across 38 cities. Open the branch directory to find the nearest one to you.
How is EMI calculated?
EMI = P × r × (1+r)^n ÷ ((1+r)^n − 1), where P is the amount borrowed, r the monthly rate (annual rate ÷ 12 ÷ 100) and n the number of months. The calculator above uses exactly this formula.