Get a loan to meet your needs

Grow your small business or fix personal emergencies with affordable, collateral-free loans.
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Focus on the things that matter to you

Access up-to 200% of your cumulative contributions to grow your small business, pay rent, school fees, medical bills, etc.

No paperwork, no embarrassment, just 1% monthly interest.

How it works



Choose your loan amount & tenure then share some information about yourself



We verify the information that you have provided


Receive loan

Get money in your bank account within 24 hours if your loan is approved


Frequently asked questions

Our customers frequently ask these questions about loans.

Am I eligible for a Cloud Cooperative loan?

To qualify for a loan, you must:
Become a member.
Be 18 years old or above
Save for at least 6 months
Have a verifiable source of income
Have a savings or current bank account with any commercial bank

How much can I borrow?

You are entitled to a maximum loan of up to 200% of your cumulative contributions.

Are the loans collateralized?

Our loans are not collateralized but you need at least one guarantor to stand in for you when you apply.

Haven’t got your answer?  Contact our support now