Loans
Access flexible loan products designed to meet your personal, business, and agricultural financial needs.
Micro-Credit Scheme
Short term credit facility given to members to improve or expand on their businesses or trade.
Features:
- Quick approval
- Flexible repayment
- Business growth support
Group Lending
Credit facility given to well constituted groups with common bond and occupation (e.g., 5 tailors operating in same market space).
Features:
- Group accountability
- Shared responsibility
- Larger loan amounts
Help Me I Help You
Loans to small trusted groups of 3 persons in turns to improve their businesses. Also called 'Co-maker loan'.
Features:
- Rotating credit
- Peer support
- Flexible terms
Daily Savings Loan
Credit facility for traders and daily savers. Collected and paid by mobile cashier through daily saving scheme.
Features:
- Mobile collection
- Daily repayment
- Convenient access
School Fees Loan
Social credit facility for parents to pay children's school fees and school needs.
Features:
- Educational support
- Social mission
- Flexible terms
Business Loan
Credit facility for members dealing with buy and sell of goods and services. Permanent business sites have added advantage.
Features:
- Business expansion
- Competitive rates
- Flexible terms
Agricultural Loan
Micro credit scheme enabling members to improve farming activities - plants, animals, and poultry farming.
Features:
- Farming support
- Seasonal flexibility
- Growth opportunities
Plot Financing
Real estate product for financing plot purchases. Members can pay back over 2+ years with interest while having possession.
Features:
- Real estate investment
- Long-term financing
- Land ownership
Buyam Sellam Scheme
Micro credit facility to boost economic activities of petite traders (plantain, grains, tomato sellers, shoe menders, etc.).
Features:
- Trader support
- Quick access
- Small business growth
Outreach Services
Cash sale points in rural areas (Ntahnkah, Mulang, Muwatsu, Ndzumabeah) for member registration, savings, and loan repayments.
Features:
- Rural access
- Convenient locations
- Full service support
Savings Accounts
Build your financial future with our flexible savings accounts designed for individuals, groups, and families.
General Savings Account
For individuals who want a reliable place to save regularly, protect their funds, earn interest, and have liquidity when needed.
Benefits:
- Builds safety net for unexpected events
- Helps discipline regular saving
- Funds readily available when needed
- Earn returns on what you save
Group Savings Account
Designed for formal or informal groups such as cooperatives, associations, church groups, project teams, Njangi or savings & credit groups.
Benefits:
- Encourages collective responsibility and savings
- Enables larger sums for group purposes
- Facilitates access to credit based on group's saving track record
- Shared accountability reduces risk of mismanagement
Minor Savings Account
A savings account for children (minors under 18) with a parent or guardian acting as custodian.
Benefits:
- Assists families to plan for education, health, or future expenses
- Teaches young people financial discipline and awareness
- Funds grow over time with compounding interest
- Ensures money is safe and managed under adult oversight
Daily Savings Account
Specially designed for members who receive income on a daily or frequent basis - traders, market vendors, petty businesses, casual labourers.
Benefits:
- Flexible daily deposits
- No minimum balance requirement
- Interest on daily balance
- Access to loans based on savings history
Why Choose Our Loans?
We make borrowing simple, transparent, and affordable with features designed for your success
Get your loan approved and disbursed within 24-48 hours with our streamlined application process.
Enjoy some of the most competitive interest rates in the region.
Choose repayment terms that work for you, from 6 months to 5 years with flexible payment options.
Get personalized support from our local team who understand your community and needs.
Your financial information is protected with bank-level security and encryption.
Transparent pricing with no hidden charges or surprise fees throughout your loan term.