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  • No customer will be allowed to withdraw or touch his/her savings after full repayment of the loan till the end of the year no matter the condition.
  • Compulsory savings is a term that all customers must adhere to and any customer who refuses to pay his/her savings will be disqualified for the next loan application.
  • The collection time is from 8am to 12:00pm daily.
  • There is no room for default as any default attracts N500.00 per day Paid immediately or deducted from the client savings.
  • Every eligible customer must provide Two (2) Surety who are not related to the applicant and if such will be presented, he/she must present a postdated Cheque of the said amount and /or the Surety if a business person will use his/her goods as Surety for the Loan applied for by the applicant.
  • On no condition should any customer use another person to obtain a loan and if discovered, the applicant will be held responsible for the loan repayment, since it is done under pretence. The applicant must provide one copy of their spouse’s passport.
  • Any Customer who fails to complete payment as at when due will be charged 20% of the total outstanding balance.
  • Any customer who wants to liquidate his/her savings must submit the card to the office, for the proper liquidation process after (3) days to ensure the customer collects their savings.
  • Customers will only be allowed to use savings to clear/close the outstanding loan if the Customer wants to finally close his/her account. 
  • Any customer who cleared or collected his/her savings and came back within a short period of time for a loan will pay back the savings before he/she will be given another loan.
  • This is to inform the applicant, that regardless of his/her personal circumstance the loan MUST  be paid