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Ikiodiete George
- 3 Min Read
Top 10 Best-Rated Loan Apps In Tunisia For 2025 (Fast, Secure & Interest-Friendly)
In 2025, Tunisia’s fintech sector is taking off, with digital loan apps making it easier for students, entrepreneurs, and salaried workers to access instant cash. No more standing in bank queues or begging your cousin for a "small loan" — just open your phone and apply in minutes!
This article highlights the Top 10 best-rated loan apps in Tunisia for 2025, chosen based on mobile app ratings, ease of use, loan approval speed, customer service, and overall reliability.
Quick Comparison Table: Best Loan Apps in Tunisia (2025)
| Loan App | Play Store Rating | Loan Amount (TND) | Interest Rate | Repayment Period | Best For |
| Flouci | ⭐ 4.5/5 | 100 – 10,000 TND | Low, regulated | 1 – 12 months | Digital-first Tunisians |
| DigiGO (by BIAT) | ⭐ 4.3/5 | 500 – 50,000 TND | 3% – 7% annually | 6 – 60 months | Salaried professionals |
| Tamweel.tn | ⭐ 4.2/5 | 500 – 30,000 TND | From 2.5% monthly | 3 – 36 months | Small businesses & side hustles |
| Bankily (Amen Bank) | ⭐ 4.1/5 | 300 – 25,000 TND | Dynamic, user-based | Flexible | Amen Bank clients |
| B@B (Banque Zitouna) | ⭐ 4.0/5 | 1,000 – 40,000 TND | Islamic finance model | 6 – 48 months | Shariah-compliant loan seekers |
| Epargne Mobile | ⭐ 4.1/5 | 200 – 10,000 TND | Linked to savings behavior | 1 – 12 months | Students & low-income earners |
| UGPay | ⭐ 4.0/5 | 500 – 20,000 TND | Based on credit score | 3 – 24 months | Credit-conscious users |
| Wifak Mobile | ⭐ 4.0/5 | 500 – 15,000 TND | Halal loans (no interest) | 6 – 36 months | Islamic banking customers |
| Cash Plus TN | ⭐ 4.1/5 | 100 – 5,000 TND | Fixed + processing fees | 1 – 3 months | Quick emergency loans |
| Yallacompare TN | ⭐ 4.2/5 | Varies by lender | Lowest in market | Custom per lender | Comparing best loan offers |
1. Flouci
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Why it's hot: 100% digital banking platform with mobile lending.
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Instant loans to registered users with a digital ID.
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Extras: Wallet services, bill payment, and e-commerce.
2. DigiGO by BIAT
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Backed by one of Tunisia’s biggest banks.
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Ideal for those who want a mix of traditional bank trust and digital convenience.
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Great for car, salary, or family expense loans.
3. Tamweel.tn
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Best for SMEs, freelancers, and traders.
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Offers fast online loan requests and flexible terms.
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Useful for side hustlers and solopreneurs.
4. Bankily (Amen Bank)
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All-in-one mobile banking with easy loan application.
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No paperwork for Amen Bank users with verified accounts.
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Supports salary advance and personal credit options.
5. B@B – Banque Zitouna App
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Shariah-compliant financing app.
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No interest—uses Murabaha Islamic contract model.
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Very popular with conservative borrowers and Muslim-owned SMEs.
6. Epargne Mobile
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Connects savings behavior to loan eligibility.
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The more you save, the higher your loan offer.
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Perfect for young people and students learning to budget.
7. UGPay
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Uses AI-powered credit scoring to decide loan eligibility.
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Strong on data privacy and transparency.
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Growing user base among tech-savvy Tunisians.
8. Wifak Mobile
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Offers Islamic finance loans with no interest.
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Used widely in rural and conservative communities.
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Low documentation required.
9. Cash Plus TN
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Lightweight app offering small instant loans.
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Funds disbursed within minutes to mobile wallet or card.
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Great for emergency or transport needs.
10. Yallacompare Tunisia
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Not a direct loan app, but lets you compare personal loan offers from Tunisia’s top banks and fintechs.
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Excellent for those looking for the best rates before committing.
How to Choose the Right Loan App in Tunisia
| ✅ Recommended | ❌ Avoid This |
| Use apps linked to licensed banks or MFIs | Random links from WhatsApp or SMS |
| Choose apps with clear repayment terms | Vague or hidden interest fees |
| Start small to test customer support | Borrowing large sums on first attempt |
| Ensure data privacy policies are present | Apps that ask for unnecessary permissions |
FAQs – Tunisian Loan Apps
❓What is the most trusted loan app in Tunisia?
Flouci and DigiGO by BIAT are top-rated and widely trusted by Tunisians.
❓Can I get a loan with no credit history?
Yes, apps like Cash Plus TN and Epargne Mobile allow first-timers and low-income users.
❓Is there halal loan financing in Tunisia?
Absolutely! Wifak Mobile and B@B (Banque Zitouna) offer Islamic-compliant loans with no interest.
❓Do I need a bank account?
Not always. Apps like Flouci and Cash Plus can fund mobile wallets or prepaid cards.
Final Thoughts
If you're in Tunisia and need cash fast, tech has made it easier than ever. Whether you're a student, a startup owner, or just someone dealing with life's unexpected expenses, there’s a safe, fast, and affordable loan app for you.
Final tip: Borrow smart. Always repay on time to avoid high penalties or blacklisting from Tunisia’s Central Bank.
