CicirlCredit
Save together. Borrow with trust.
A savings and credit cooperative built by and for its members — real rates, real people, no hidden fees.
Borrow on clear, published terms
Auto Loan
A Loan To Finance A New Or Used Vehicle Purchase.
Mortgage Loan
A Long-Term Loan For Purchasing Or Refinancing Real Estate.
Personal Loan
A Loan For Personal Use, Such As Education, Medical Expenses, Or Travel.
Grow your savings with us
Naira Account
Minimum opening deposit of 5,000, with withdrawals allowed.
Savings
Minimum opening deposit of 10,000, with withdrawals allowed.
Usd Domiciliary Account
Minimum opening deposit of 10, with withdrawals allowed.
Start saving in 3 steps
Become a member
Sign up with your details — every member has an equal say in how the cooperative is run.
Open a savings account
Choose a savings product and start building your balance — interest paid as published, no surprises.
Borrow on your terms
Once you're a member in good standing, apply for a loan at our published rates.
We exist to give our members a safe, member-owned place to save, borrow, and grow — together.
What our members say
I got my first business loan here after being turned down by two banks. Three years later, my shop has two employees.
The savings account interest actually gets paid, on time, every quarter. It sounds small but it's rare.
What I trust most is that the rates are published and don't change on me halfway through a loan.