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Credit & Loan Products
Flexible, short to medium-term loans tailored to meet your personal financing needs
Salary Loan
Features
- Flexible repayment of up to 60 months
- Competitive interest rates and fees
- No collateral or security is needed to apply for a loan
- No sudden increases due to fixed interest rates
- Easy to get, less than 24 Hrs to receive facility with all required documentation provided
- Top-up option available for existing
- Insurance: Credit Life Insurance that covers permanent disability and death
If you’re suddenly faced with unexpected financial needs, we can help. our salary loan facility allows you to get fast access with monthly repayment up to at most 60% of your net monthly salar.
Asset Finance Loan
Features
- Flexible repayment of up to 12months
- Available to all CAGD salaried workers
- All products have a one-year warranty
Our home appliance loan or asset acquisition can help you make your dreams of purchasing the latest gadgets, appliances, smart phones, home furnishings and many more at a very affordable price a reality
Transport Loan
Features
- Competitive interest rates and fees
- Mode of Payment: Daily, weekly or monthly
- Comprehensive insurance
Get your business moving by expanding your fleet of commercial vehicles. Our scheme for commercial transport operators is designed as a one-stop shop for your all commercial vehicle business needs. The processing time of our transport loans is very fast with easy documentation and approval.
Overdraft
We provide overdraft facilities under flexible terms and condition to our valued clients.
Spread Overdraft
Features
- Flexible repayment of up to 6 months
- Competitive interest rates (6% per month) and fees
- No sudden increases due to fixed interest rates
- Easy to get
- Less than 24 Hrs to receive facility with all required documentation provided
- Insurance: Credit Life Insurance that covers permanent disability and death
Our spread overdraft is a short term loan which is designed to meet the personal or business capital needs of our customers. For businesses, they may offer a good way to resolve sudden cash flow issues. For individuals, such loans are an effective source of emergency funds.
Salary Advance
Features
- Access Anytime
- Draw money whenever you need it from an overdraft that is always available
- Monthly pay back of used limit or a clean-up cycle of 30 day
- Facility fee of 5% charged on approved limit and at each renewal
- Pay interest only on the amount that you’ve used during the month
Salary Advance is a personal overdraft tailored to meet your cash flow needs if you earn a salary. It is a cash bridging facility against your next pay cheque or salary credit. It is designed to help cover small but urgent unexpected expenses between pay days. Are you suddenly faced with an unexpected financial needs, we can help. Our Advance facility allows you to get fast access to up to 100% of your net monthly salary.
So Me Nsa
Features
- 6 months duration
- 6% interest rates per month
- Easy to get
- Approval within 24 Hours
We are ever ready to offer a helping hand to our customers through our specialised So Me Nsa Overdraft Facility. Are you a salary customer with current account and in need of financial assistance? You can take advantage of our So Me Nsa overdraft with flexible payment terms.
