du Pay partners with Deem Finance to launch Flexi Cash Loan, a fully digital lending product expanding access to transparent short-term credit for expat workers in the UAE.
du Pay has partnered with Deem Finance to launch Flexi Cash Loan, a fully digital short-term lending product aimed at expanding access to credit for underserved expat communities in the UAE.
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The new offering is embedded directly within the du Pay wallet, allowing eligible customers to apply for and receive cash loans seamlessly through a fully digital journey. The product combines du Pay’s digital wallet ecosystem and customer engagement, Deem Finance’s regulated lending capabilities, and Airvantage’s credit decisioning technology to deliver fast, transparent, and responsible access to short-term credit.
Flexi Cash Loan is designed to address a long-standing gap in the UAE’s financial services market, where many blue-collar and mid-income expat workers struggle to access short-term loans due to limited traditional credit histories. By leveraging transaction behaviour and usage data within the du Pay wallet, the partners are able to assess creditworthiness using real customer activity rather than relying solely on conventional credit scoring models.
“We identified a critical gap where hardworking expat communities, who contribute enormously to the UAE economy, were being underserved,” said Fahad Al Hassawi, Chairman of du Pay. “Built on the trust we’ve established through our digital wallet, this product delivers fast, transparent, and fair lending solutions to those who need them most.”
The loan features clear, upfront pricing through a fixed one-time fee, providing full visibility into repayment from the outset. Customers can use the funds for everyday needs such as emergencies, remittances, travel, or essential expenses, with flexible monthly repayment schedules aligned to income cycles.
Christopher Taylor, CEO of Deem Finance, said the partnership reflects the company’s focus on responsible lending through fintech collaboration and alternative data. “By working with du Pay and Airvantage, we can simplify access to short-term credit while remaining firmly anchored in regulatory discipline, transparency, and customer trust.”
Airvantage powers the platform’s credit decisioning and end-to-end lending operations, enabling precise, scalable, and responsibly managed loan delivery. Co-founder Michael Roffey said the collaboration demonstrates how financial inclusion can be built through systems designed to be fair, transparent, and sustainable over the long term.
The launch comes amid growing recognition across the UAE financial sector of the need for inclusive lending models that serve the country’s diverse workforce. Traditionally, short-term credit has been concentrated among higher-income segments, leaving a significant portion of the expat population underserved.
By combining digital distribution, licensed lending infrastructure, and advanced credit technology, the du Pay–Deem partnership represents an emerging model for fintech-led financial inclusion in the UAE — one that moves digital wallets beyond payments into full-service financial platforms.
Why the du Pay-Deem Partnership Matters to UAE Fintech
This launch signals a shift in how financial inclusion is being delivered in the UAE — away from traditional bank-led credit models and toward wallet-based, data-driven lending.
For expat workers with limited credit histories, Flexi Cash Loan shows how transaction data and digital engagement can unlock fair access to short-term credit without compromising regulatory standards. For fintech platforms, it highlights the evolution of digital wallets into full-stack financial service providers, capable of addressing real economic pain points.
From a broader ecosystem perspective, the partnership demonstrates how regulated lenders, telecom-backed wallets, and credit-tech providers can collaborate to scale inclusion responsibly — a model likely to see wider adoption as the UAE deepens its focus on workforce empowerment and financial resilience.
