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Valu

Valu

by EFG-HERMES UAE LIMITED

452 ratings
61 reviews
💰 Finance
Free

Details

  • Released
  • Updated
  • December 17, 2017
  • May 21, 2026

Features

Developer

EFG-HERMES UAE LIMITED
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About

This app offers a comprehensive suite of digital financial solutions, including Buy Now Pay Later, instant cash redemption, savings, and investment products. It aims to empower individuals and businesses with financial inclusion through a single, powerful platform.

✓Buy Now Pay Later (BNPL)
✓Instant cash redemption
✓Savings solutions
✓Investment products
✓B2B financial services
✓Digitized financial products
Show original description

What users say

Summarized from real user reviews of Valu. Based on 452 reviews and a 3.3/5 average, it highlights the 5 positives and 10 negatives reviewers mention most about this Finance app.

Positive things

  • 💡Innovative installment payment concept
  • ⚡Instant approval for eligible customers
  • 🛍️Exclusive offers and partnerships
  • 👍Easy registration process for some users
  • 🎯Lifestyle enablement through flexible payments

Negative things

  • 💸Hidden fees and excessive charges
  • 📈High interest rates (35-40%)
  • 🐢Extremely slow app performance
  • 😤Poor customer service quality
  • 🔒Privacy and security concerns
  • 😠Misleading marketing and false discounts
  • ❌Dishonest business practices
  • 🚫Account blocking without explanation
  • 💔Inability to settle debts early
  • 🌍Limited language support (Arabic UI issues)
See all reviews

What's New in Valu

10.4.6

May 21, 2026

You can now track your prepaid card transactions with full clarity.

User reviews

Most RecentHighest RatedLowest Rated

Invoice now problem

Everyone I try to use invoice now in sha2lapaz and try to capture a photo. The app crashes and I think it’s a bug. That’s what made me use invoice later by mistake. I want someone to help me and convert my invoice later transaction to invoice now. Please help.
eminemmm2eminemmm2

Bad service, high interest, hidden fees .really disappointed

Bad service, high interest, hidden fees .really disappointed
DeejustsmileDeejustsmile

Horrible Customer service

Can’t reach a proper customer service representative, and the email support is a robot and it is difficult to reach anyone that can actually know how to talk to clients.
Haste214Haste214

اسوا خدمة عملاء واسوا برنامج

منصحش حد بيه ابدا وكانت تجربه سيئه جدا في التعامل معاهم … خاصتا ان معندهمش ولا خطة ولا احترافيه واسلوب وحش جدا
Selim00000000Selim00000000

سيء

خدمه عملاء من اسوا ما يكون غير فايده مرعبه ورسوم غير الفايده ان شاء الله نخلص وتبقي اخر مره علي مدار يومان بحاول اكلم خدمه عملاء او خدمه تعديب العملاء لا يوجد رد
D.Heba salehD.Heba saleh
See 56 more reviews

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User experience

🐞

Reported Bugs

12 issues

App crashes when capturing photos in Invoice Now

Bug

App crashes when clicking multiple items in succession

Bug

Extremely slow loading times

Bug

App fails to load after updates

Bug

Login/sign-up OTP code failures

Bug

Password validation errors

Bug

Missing or incomplete UI text

Bug

Product browse functionality not working

Bug

Buy button greyed out

Bug

Forced logout after crashes

Bug

App won't open without update

Bug

Notification pop-ups appear constantly

Bug
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Requested Features

9 requests

Auto calculator for installment planning

Feature

Early debt settlement option

Feature

Partial payment functionality

Feature

Better product browsing and online purchasing

Feature

Improved Arabic language support

Feature

Disable notification pop-ups option

Feature

Account deletion option

Feature

Transparent terms and conditions display

Feature

Enhanced security assurances for user data

Feature

FAQ

What does Valu do?

Valu is a universal financial technology platform that provides a wide range of digital financial solutions. It aims to empower individuals and businesses by offering services like Buy Now Pay Later, instant cash redemption, savings options, and investment products all within a single platform.

What are the key features of Valu?

Key features include Buy Now Pay Later (BNPL) options, an instant cash redemption program, savings solutions, and various investment products. The app also offers B2B services and a suite of fully digitized financial products designed to foster financial inclusion.

Is Valu free to use?

Based on the provided information, the app is categorized as 'free'. This suggests that the core platform and its services are available without an upfront cost, though specific financial products or transactions may have associated fees or terms.

Who is Valu designed for?

This app is designed for both individuals and businesses looking for comprehensive and accessible financial tools. It caters to users who want to manage their finances, pursue financial goals, and benefit from digitized financial services through a single, integrated platform.