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    PERSONAL LOANS

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    Our aim is to bring possibilities to life.

    Planning to buy a car, renovate your home or improve your education? Our Personal Loan offers many features which give you more value than you might have expected.

    LOANS FOR INDIVIDUALS

    Gisubizo Loan Express is an unsecured loan that seeks to meet short term financial needs/urgent needs of our retail Customers (e.g. payment of medical bills, utility bills, school fees, car repairs, holidays etc.).

    Key Features :

    • Salary is considered as a guarantee. 
    • Flexible amortization schedule i.e.: restructuring of the loan is free, if done in the same tenure.
    • When you wish to pay off the loan before the end of the tenure, you will incur no prepayment penalties if repaid in part or in full.
    • The loan can be multiplied up to fifteen times your net salary.
    • The duration of the loan will extend on a period of up to 5 years. 
    • Up to 50% of your salary will be considered as monthly repayment. 
    • The loan will have a fast Turn Around Time (5 days maximum) if all the requirements are fulfilled on time. 
    • No requirement for collateral if the loan does not exceed 5Million. 
    • Above 5 million, the bank will request a collateral on excess amount.

    Eligibility criteria:

    • Be an employee with a fixed or open-end contract that covers the tenure of the loan. 
    • Have a regular monthly income for at least the past 3 months. 
    • Be willing to commit up to 50% of your monthly salary. 
    • Have a clean Credit Reference Bureau report.
    Accordion Sample Description

    This is an overdraft to be repaid by a hedge account upon arrival of the next salary.


    General Conditions:

    • Have a contract of employment or civil service status.
    • Having a salary domiciled in the account COGEBANQUE for at least 1 month.
    • This short Loan is capped at 50 % of the salary transferred into account, after deducting the monthly outstanding COGEBANQUE loan.
    • Households whose husband and wife are employees can benefit from NGOBOKA ADVANCE, equal to 50% of the two salaries provided that:
      • Spouses Share a Joint Account
      • Both salaries are transferred to the Joint Account
      • Both Spouses sign the application in advance

    This is a loan is for employees who receive their salaries through their COGEBANQUE accounts. The purpose of this loan is to finance different expenses.

    The repayment period is up to 10 months.


    General Conditions:

    • Have a contract of employment or civil service status.
    • Have a position with your employer for at least six months (6 months).
    • Have a contract of indefinite duration or a work contract of limited duration, covering the duration of the loan, by more than two months.
    • Proof of salary deposits into your COGEBANQUE account for at least the last three months.
    • New customers from other banks must submit their original bank statements for the last three months showing the salary history.

    This loan is for employed individuals who meet the following conditions:

    • Have a contract of employment or civil service status.
    • Have experience at your employer for at least six months (6 months).
    • Have a contract of indefinite duration or a contract of fixed-term work, covering the term of the loan, by more than two months
    • Proof of salary deposits into your COGEBANQUE account for at least last three months.
    • New customers from other banks must submit their original bank statements for the last three months showing the salary credit history

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