Loan Products

Available for members who have opened a school savings account with minimum savings of E120.00.

• Max loan: E30,000 or 4x savings
• Max repayment: 12 months
• Requires school savings account

Our flagship loan product — borrow up to 2x your savings for a wide range of needs.

• Max loan: E300,000 (2x savings)
• Max repayment: 84 months
• Min monthly savings: E250 while repaying

Purchase a new or second-hand car with flexible financing tailored to your car savings balance.

• Max loan: 3x car savings balance
• New and second-hand vehicles eligible
• Competitive reducing-balance rate

Fast access to funds for urgent situations — available to qualifying members.

• Max loan: E15,000
• Max repayment: 12 months
• Requires 6+ months membership & full shares

A small, short-term loan for members with immediate, minor cash flow needs.

• Max loan: E5,000
• Max repayment: 2 months
• Requires 6+ months membership & full shares

A quick relief loan to help members "breathe" through a tight financial period.

• Max loan: E5,000
• Max repayment: 6 months
• Requires 6+ months membership & full shares