---
title: "Valu: Buy Now, Pay Later, Loans and Investments"
description: "Split purchases into BNPL instalments in Egypt with plans up to 60 months at thousands of online and retail merchants, plus cards, savings and investing."
canonical_url: "https://liners.com/valu"
markdown_url: "https://liners.com/valu.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/valu/screenshot.webp?v=1785414494911"
published_at: "2026-03-26T19:54:10.668Z"
updated_at: "2026-10-06T14:23:22.437Z"
---

# Valu: Buy Now, Pay Later, Loans and Investments

Split purchases into BNPL instalments in Egypt with plans up to 60 months at thousands of online and retail merchants, plus cards, savings and investing.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Valu](/valu)

## Summary

Split payments, finance purchases, and manage money in one app

A fintech platform for consumers, merchants, and employers in Egypt offering BNPL instalments, savings, investments, prepaid cards, cash redemption, and payroll tools.

## Product details

| Field | Value |
| --- | --- |
| Website | https://valugroup.com/ |
| Tagline | Split payments, finance purchases, and manage money in one app |
| Primary country | Egypt |
| Platforms | Android, iOS, Web |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Valu is a universal fintech platform for consumers and businesses in Egypt, offering buy now, pay later (BNPL), consumer lending, cards, savings, investments, payroll, employee benefits, merchant services, and shopping solutions through an integrated financial ecosystem.

**Key capabilities include:**

- **U**, Valu's flagship BNPL product, offering flexible installment plans of up to 60 months across thousands of retail and online merchants.
- Consumer financial products including **Loans**, **Cards**, **Shop'IT**, **Sha2labaz**, **Flip**, **Shift**, **Ulter**, and **Akeed**, supporting borrowing, spending, shopping, rewards, and save-to-buy experiences.
- Investment services through the **AZ Valu Fund** and **EFG Hermes ONE**.
- Business solutions, including merchant onboarding, **Payroll System**, **Payroll Card**, and **Employee Benefits** for employers.

Available on **iOS**, **Android**, and **Huawei AppGallery**, with web information and merchant discovery via the product website.

The platform follows a **B2B** and **B2C** model, serving individual shoppers through partnered retailers and online merchants, and serving employers through **Valu Business** offerings such as **HR and payroll systems**, **payroll cards**, and **employee benefits**.

It is notable in the Egypt and MENA fintech market for pioneering BNPL through U and for operating at scale across large merchant networks, while being regulated as a fintech by Egypt’s Financial Regulatory Authority and listed on the Egyptian Exchange (EGX).

## Features

- [Fintech](/categories/fintech): Category
- [B2B](/tags/b2b): Product feature or technology
- [B2C](/tags/b2c): Product feature or technology
- [BNPL](/tags/bnpl): Product feature or technology
- [Investments](/tags/investments): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Loyalty & Rewards](/tags/loyalty-rewards): Product feature or technology
- [Marketplace](/tags/marketplace): Product feature or technology
- [Physical Cards](/tags/physical-cards): Product feature or technology
- [Egypt](/countries/egypt): Market

## Related pages

- [Alternatives](/valu/alternatives)
- [Reviews](/valu/reviews)
- [Transparency](/valu/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/valu)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)