About the service

The market is fragmented. Dozens of licensed lenders operate in the United Arab Emirates, each with its own thresholds for age, residency status, income proof and credit history. None of them publishes the rule that actually decides your case, and every one of them wants the same twenty fields typed in again.

Mongeza collects those fields once. The request is then matched against what we know about each partner’s criteria and forwarded only where it stands a chance. What comes back is a shortlist you can act on, together with the terms attached to each offer.

The service charges a subscription of 35 AED for 30 days. That fee buys the matching, the routing and the notifications — nothing else. It is not a deposit, not an arrangement fee and not a down payment on a loan.

Whether a loan is approved, on what terms and when the money moves is decided entirely by the lender. Mongeza is not a party to the loan agreement and earns nothing from its interest.