Emergency loan, basic loan, school fees loan, group loan, housing loan and business loans.
Competitive rates are set annually by the AGM (currently between 0.006% to 1.17% monthly).
By saving consistently and having salary affordability.
No.
Varies by product, typically within 1–7 working days.
By completing a loan application form and submitting it to the loans officer.
Not unless approved under special conditions.
Yes, and early clearance attracts interest exception.
Penalties are applied, and can subjected to legal actions.
Yes, upon meeting set requirements.