Loans
Credit & Loan Products
Accessible, fair, and transparent financing designed for real member needs.
Standard cooperative loan products available throughout the year for qualified members.
Appliance & Home Improvement
Turn your house into a home with the latest comfort and technology. This loan allows you to upgrade your kitchen, purchase energy-efficient home appliances, or invest in quality furniture and fixtures that enhance your daily living standards.
14% per annum
36
Housing & Renovation Loan
Your home is your sanctuary. Whether you are laying the first brick for a new house, expanding your space for a growing family, or simply giving your current home a much-needed facelift, we provide the financial foundation to help you build your dreams.
12% per annum
60
Year-Round
Vehicle Purchase & Maintenance (Brand New)
Stay mobile and independent. We offer funding for brand-new personal vehicles or reliable pre-owned units. This facility also covers essential vehicle repairs and annual registration fees so you can focus on the journey ahead.
8% per annum
60
Year-Round
Educational Advancement
Investment in knowledge pays the best interest. This loan is designed to ease the burden of tuition fees, school supplies, and professional development costs, ensuring that you and your children have the resources to achieve academic success.
12% per annum
12
Year-Round
Pre-need & Future Security
Protect your family’s tomorrow by planning today. Use this loan to secure life or non-life insurance policies, memorial plans, and other long-term security arrangements that offer peace of mind during life’s most uncertain moments.
10% per annum
12
Year-Round
Medical & Health Care (Immediate Family)
Health is your greatest wealth. This loan provides a supportive safety net for hospitalization costs, the purchase of maintenance medications, and the payment of health insurance premiums for both you and your immediate family members.
8% per annum
36
Year-Round
Debt Redemption
Break free from high-interest debt. Use this facility to consolidate and pay off loans from other financial institutions, allowing you to manage your obligations more efficiently under the cooperative’s friendly terms.
14% per annum
36
Year-Round
Entrepreneurial & Business Loan
Fuel your ambitions and grow your income. Whether you are starting a small commercial venture, scaling up an existing service business, or investing in agri-business, we provide the capital needed to drive your success.
10% per annum
60
Year-Round
Multipurpose Flexi-Loan
Life doesn't always fit into one category. This flexible loan is your "all-in-one" solution for various personal goals, providing you the liquid capital to handle whatever life throws your way.
14% per annum
36
Year-Round
Travel & Vacation
Reward your hard work with a change of scenery. Whether it’s a local weekend getaway or an international dream vacation, this loan helps you fund the flights and accommodations for your next great adventure.
14% per annum
36
Year-Round
Commodity & Utility Support
A practical helping hand for the everyday. This loan ensures you can stay on top of household consumption needs and utility payments, maintaining a smooth and comfortable household for your family.
14% per annum
12
Year-Round