Access funds when you need them most with our flexible loan products, competitive rates, and quick approval process.
Calculate your monthly repayment and see how affordable our loans are
Choose the loan that best fits your needs
Quick access to funds for personal needs - education, medical bills, rent, family emergencies, or any urgent personal requirement.
Grow your business with working capital, equipment purchase, inventory restocking, or business expansion financing.
Acquire valuable assets - vehicle, property, machinery, or equipment. The asset serves as collateral for the loan.
Lightning-fast approval for urgent needs. Available to all active members in times of crisis or unexpected expenses.
What you need to qualify for our loans
| Membership Duration | Maximum Loan | Savings Multiple |
|---|---|---|
| 3-6 months | ₦100,000 | 2x your total savings |
| 6-12 months | ₦500,000 | 3x your total savings |
| 12+ months | ₦2,000,000+ | 4x your total savings |
Simple 5-step process to get your loan approved
Visit our office or download the loan application form. Fill it out completely with accurate information about your loan request and personal details.
Attach all required documents including ID, proof of income, guarantors' information, and any other relevant documents based on your loan type.
Our loan committee reviews your application, verifies your information, checks your savings history, and assesses your eligibility based on our criteria.
Once approved, you'll receive a loan offer letter. Review the terms, interest rate, and repayment schedule. Sign the loan agreement if you accept the terms.
Your loan is disbursed directly to your account or as specified. Start using the funds for your intended purpose and begin repayment as per the agreed schedule.
Benefits that make Divine Cooperative your best choice for loans
Get your loan approved in 24-72 hours. Emergency loans approved within 24 hours for urgent needs.
Interest rates from 4-7% per annum - among the lowest in Nigeria for cooperative loans.
Choose repayment terms from 1-24 months that fit your cash flow and income pattern.
Simple requirements with no complex paperwork. Being a member makes it even easier.
Transparent pricing with no hidden fees. What you see is exactly what you pay.
We work with you to find solutions. Facing difficulties? We offer restructuring and grace periods.
Get the funds you need with competitive rates and flexible terms. Join us if you're not yet a member.