We bring the word "credit" back into Credit Union through low-interest loans with some of the best terms in the market. We accompany individuals and institutions in achieving goals and delivering projects — with trusted guidance, accessible financing, and solutions built around your success.
With every interaction, we seek to deliver financial confidence for all — from the smallest entrepreneur to the largest institution.
Quick, secured or unsecured loans with flexible terms and no hidden fees. Built for real people with real goals.
Credit built for business momentum — fast, transparent and reliable. Fund expansion, inventory and operations.
Unsecured microloans from XAF 10,000 for microprojects and initiatives. Financial inclusion for everyone.
Fast pre-approval, competitive rates, transparent disclosures. Drive away with confidence and full clarity.
Fast financing decisions, favorable rates and flexible repayment. Equip your business for the future.
Supplier credit, receivables financing and vendor partnerships. Keep your supply chain liquid and moving.
Lump sum capital, fixed interest, structured repayment schedule. Ideal for expansion and major purchases.
Small-scale funding for entrepreneurs and informal businesses. Flexible repayment around your income cycle.
Capital without collateral. Creditworthiness-based approval with flexible repayment terms.
Collective financing for associations and groups with structured oversight. Lower rates through shared liability.
Asset-backed loans for lower interest rates and higher capital access. Use property or vehicle as security.
For hospital bills, school fees and urgent financial needs. Approval within hours when you need it most.
We don't just lend money — we empower communities. Every loan is a partnership built on transparency, fairness and long-term support.
With my microloan I purchased a second sewing machine. My orders doubled and I now employ an apprentice. This changed everything for me as a designer.
My agricultural loan helped me buy better seeds and tools. This season my maize yield more than doubled. NCHEMTY understood a farmer's real needs.
My emergency loan came through within hours when my mother needed surgery. No long queues, no stress. NCHEMTY treated me like a person, not a number.
To access loans, you must first have a free NCHEMTY current account. Apply in 10 minutes.
Free, online, 10 minutes. No branch visit required. 90% approved same day.
Choose your loan type and complete the in-app application in minutes. No paperwork.
Get a fast decision. Approved funds disbursed directly to your account — same day.
