du Pay, the digital financial services arm of du, has partnered with Deem Finance, a regulated UAE financial institution, to introduce Flexi Cash Loan.

The product offers fast access to short-term credit directly through the du Pay wallet.

The service combines du Pay’s digital wallet ecosystem, Deem Finance’s regulated lending capabilities, and Airvantage’s credit decisioning technology.

Together, they provide a fully digital lending experience. The aim is to simplify access to credit while maintaining transparency and customer protection.

Fahad Al Hassawi, Chairman of du Pay, said:

“We recognised a critical gap in the market where expat communities, who contribute significantly to the UAE’s economy, were being underserved. This lending product builds on the trust established through our digital wallet. It enables fast, transparent, and fair lending solutions to those who need them most.”

The product targets expat workers with limited traditional credit histories.

du Pay uses transaction data and customer behaviour insights, alongside Airvantage’s technology, to make data-driven lending decisions. Loans carry a fixed one-time fee with full repayment visibility.

They can be used for expenses, emergencies, remittances, or travel. Monthly repayment options are flexible and aligned with income cycles.

Christopher Taylor, CEO of Deem, said:

“This partnership reflects our focus on using alternative data to deliver accessible credit efficiently. We remain anchored in responsible lending and regulatory discipline.”

The launch responds to the UAE’s need for inclusive lending for the substantial expat workforce. It addresses gaps left by traditional banks that focus on higher-income segments.

The collaboration combines digital distribution, regulated lending, and technology to meet real financial needs.

Featured image credit: du Pay