Once you submit your application, we process it within 24 hours. After collateral verification, funds are disbursed immediately to your mobile money account (MTN Mobile Money, Orange Money) or bank account. In urgent cases, we can expedite the process for same-day approval.

You'll need the following documents:

• Valid national ID card or passport
• Proof of residence (utility bill or rent receipt)
• Collateral documentation (land title, vehicle registration, etc.)
• Active mobile money account or bank account details
• Proof of income (if self-employed, business registration documents)

We offer a competitive 10% interest rate per month on all loans. This is calculated based on the principal amount and the loan duration. There are no hidden fees, and we're transparent about all charges. The processing fee is also 10% of the loan amount, deducted upfront.

If you anticipate difficulty repaying, contact us immediately to discuss extension options. Late payments incur a 5% daily penalty, but we prefer to work with you to find a solution rather than take collateral. Options include:

• Loan extension with adjusted terms
• Partial payment arrangements
• Refinancing options

We accept various types of collateral that can be physically verified:

• Land titles - With proper documentation
• Vehicle registration papers - Cars, motorcycles, trucks
• Business equipment - Machinery, electronics, tools
• Valuable assets - Electronics, appliances, inventory
• Property deeds - Houses, commercial properties

Yes, self-employed individuals are welcome to apply! We require:

• Business registration certificate (if applicable)
• Bank statements for the last 3 months
• Proof of consistent income (client contracts, invoices, etc.)
• Valid ID and proof of residence

The maximum loan amount depends on the value of your collateral and your repayment capacity. Generally, we offer loans from 50,000 XAF up to 10,000,000 XAF. For larger amounts, we may require additional collateral or guarantees. Contact us to discuss your specific needs.

Once approved, you can receive the funds through:

• MTN Mobile Money - Instant transfer to your MoMo account
• Orange Money - Direct deposit to your Orange account
• Bank transfer - To your local bank account (1-2 business days)
• Cash pickup - At our agent location (with prior arrangement)

Yes, you can repay your loan at any time without any early repayment penalties. In fact, we encourage it! If you repay early, you'll only pay interest for the period you actually used the loan, saving you money on interest charges.

We currently serve clients in major Cameroonian cities including:

• Yaoundé - Central region
• Douala - Littoral region
• Bamenda - Northwest region
• Bafoussam - West region
• Garoua - North region
• Maroua - Far North region