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Personal Loans
Unsecured Personal Loan
Our unsecured personal loans offer the flexibility to address these needs promptly without pledging any assets.
From consolidating debt to covering medical expenses or funding significant purchases, our loans help you navigate life’s financial demands with ease.
Benefits:
- No Collateral Required: Obtain the funds you need without risking your assets, making the loan process simpler and faster.
- Quick and Easy Access: Enjoy a streamlined application and approval process, ensuring you get the money you need when you need it.
- Flexible Repayment Terms: Choose from various repayment options tailored to your financial situation, allowing you to manage your monthly budget effectively.
- Versatile Use: Utilize the loan for a wide range of purposes, from education and home improvements to travel and medical emergencies.
Application Requirements
- Signed Application Form (Available at our branches)
- Key Facts Statement Form (Available at our branches)
- Employment contract (open-ended or with a remaining term covering the loan tenor)
- Recent stamped pay slips for 3 consecutive months
- Recent Employment & Salary certificate
- Stamped bank statement for at least the last 6 months (If not banking with us)
- Copy of National ID for Rwandese, Passport with valid work permit for foreigners
- Marital status: Marriage Certificate or Certificate of being single
- Copy of Guarantor’s National ID for Rwandese, or Passport for foreigners (if applicable)
- Joint Surety (Personal Guarantee) from spouse if the borrower is married
- Signed & Notarized Promissory Note
- Employer Undertaking, signed and stamped
- CRB reports for borrower & guarantor
Overdrafts
A flexible, short term working capital financing facility on your business current account.
Funds are available immediately and repayable on demand, giving you extra funds to manage your day to day cash flow and working capital needs.
Features
- Maximum repayment period of 12 months.
- Flexible loan amount determined by business need and cycle.
- Tenor period is renewable after 1 year and based on repayment performance.
- Repayment is done through credits to your business current account.
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