Civil Servant Microcredit Loan is designed to promote the income generating activities of the low income earners. This loan product can be accessed by any civil servant or someone working in any reputable organization.

  • Facility range: ₦5,000 (minimum) to ₦1,000,000 (maximum).
  • Methodology: Individual.
  • Duration: 20 months (Maximum).
  • Grace period: 4 month.
  • Repayment frequency: Monthly.


  • No collateral.
  • Flexible repayment structure.
  • Low interest rate of 5% per month on reducing balance.
  • No guarantor needed


  • Employment Letter
  • Loan attestation letter from your company.
  • Duly completed Loan application form.
  • A valid ID (National ID, Driver’s license, Voter’s card or International passport).
  • Current utility bill.
  • Two recent passport-size photographs.
  • Last 3 months Bank statement of account or payment slip.
  • One Guarantor

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