Smart Loan

This product is targeted for Controller and Accountant General’s Salary Earners.
  • Meant for salary earners through Controller And Accountant General’s (CAAG) Dept
  • The interest Rate is fixed
  • The turnaround time is 24 hours
  • This Loan should be insured
  • The minimum age should be 18 years and maximum 60 years on maturity of loan
  • Special dispensation for school fees
  • Maximum Debt Service Ratio 50% (no maximum amount)

The Benefits

The benefits include the following:
  • Access to funds instantly
  • Easy to budget
  • Just call
  • Convinient and easily accessible
  • Simple to arrange
  • Fixed monthly deduction
  • You can top up your loan
  • You have flexible repayment

How to Apply

You will need to gather the following requirements before you can apply:
  • Three (3) most recent salary payslips
  • One valid natioanl ID card (NHIS, Voters, Drivers license, Passport)
  • One passport size picture
  • Fully completed Smart Loan Application Form
  • Send completed Savings Account Application form together with all the above mentioned documents in person to any of our branch network offices or email all documents to: and any of our front-line officers will get back to you shortly.