Shop Now Pay Later Always 0%
Split any purchase into 2, 3 or 4 payments — no fees, no interest.
Can I really buy it
now and pay later
without interest?
Absolutely. Our service is funded by partner merchants. It stays 100% free for Alya customers.
How it works Simple, from the first click to the last payment
What is your need? Simulate your payment with Alya.
Enter purchase amount and choose split. Total never changes.
Drag the slider, we'll show your payments
Choose your Split
Payment 1
Payment 2
Payment 3
Payment 4
A 100% digital experience.
At Alya, the whole process is completely paperless. All you need is your national ID card (CIN) and your bank card — you'll get an instant response, subject to approval and creditworthiness verification.
You'll definitely find your favorite brands with Alya.
Trusted by thousands of customers in Morocco
More than 10,000 users across Morocco are already managing their spending more smartly and flexibly. Why not you?
Create your free account in 3 minutes.
What our community says about us
Frequently Asked Questions
Alya is a Buy Now Pay Later solution that lets you spread your payments over 2, 3, or 4 installments, with no fees or interest. A fully digital, fast, and secure solution.
At all our partner stores, in-store or online. Find the full network at app.alyapay.com/merchants.
Alya lets you split your spending in-store and online, and walk away with your product right away. We then charge your bank card the amounts corresponding to the plan you chose (2, 3, or 4 installments).
No app to download. At checkout, give your phone number: you'll receive a link by SMS. Just click it, complete your sign-up with your national ID (CIN), and confirm your payment plan.
Less than 3 minutes: just enough time to sign up and get your purchase validated, then you leave with your items.
If a payment fails, we'll contact you quickly to help you sort things out. Keep in mind that repeated late payments may lead to the suspension of your Alya account and affect your standing with financial institutions and credit bureaus.
Alya reserves the right to pursue legal action to recover unpaid debts.