Products · Loans
Loans from 1% to 3% per month, on a reducing balance
KAMCCU grants loans to members for productive and provident purposes. Save for three (3) months, and qualify for loan. However, Terms & Conditions apply.
- Save first
- 3 months
- Borrow up to
- 4× savings
- Repay over
- 5 years
What our loans are for
Provident needs. Productive ambitions.
Life's important moments
The costs that keep a family moving forward.
- Food
- School fees
- Weddings
- Funerals
- Housing
- Transport
Grow what feeds Ghana
Working capital for farmers and agri-businesses.
- Fertilizer
- Livestock & poultry
- Farming equipment
- Seeds
Back your hustle
Capital and liquidity for enterprises of every size.
- Tailoring
- Maize mill
- Business capital
- Liquidity support
Loan products
Seven ways to borrow, one fair principle
Loans Within Savings
from 1%/moFor amounts below your savings balance — access your loan on the day of application, no collateral needed, with insurance protection.
Long-Term Loan
from 2%/moStandard credit for personal needs or emergencies when the amount exceeds your savings balance — higher amounts, flexible monthly repayment, no collateral.
Special Purpose Loan
from 2.5%/moRewards highly disciplined, creditworthy members — supports SMEs and large commercial businesses with higher amounts at competitive rates.
Commercial Vehicle Loan
from 2.5%/moFinance a vehicle for transport services or other income-generating activity — comprehensive insurance included, the vehicle serves as collateral.
KAM Salary Loan – DS
from 2%/moFor salaried employees — teachers, staff of established enterprises and blue-chip companies — repaid by deduction at source, up to 40% affordability.
Rapid Salary Loan
from 2.5%/moShort-term financing between pay cycles with fast disbursement — even with a running loan, subject to 40% affordability.
Group Micro Loan
from 2%/moFor market women, small-scale farmers and micro-entrepreneurs in organized groups — the group's collective guarantee replaces physical collateral.
Not sure which loan fits?
Try the calculator with your amount and term, or talk to the loan committee at any branch.
Open the calculatorAccepted forms of ID
Obtain a loan application form at any office or download it from our website, then return it with a valid ID.
- Ghana Card (National Identification)
- Voter's ID
- Driver's Licence
- Passport
Your savings have earned this
Apply online in minutes, or run the numbers first — no surprises, no flat-rate tricks.
Loans FAQ
Before you apply
Have a different question? Call +233 302 247 164 — Monday – Friday, 8:30 AM – 4:00 PM.
How much can I borrow from KAMCCU?
Members who have saved with KAMCCU for three months or more can borrow up to four times their savings balance. Loans within your savings are available on the day of application; larger facilities go through the loan committee.
What interest rate do KAMCCU loans charge?
KAMCCU loans start from 1% per month on a reducing balance — you only pay interest on what you still owe, not on the original amount. Rates vary by product; see the rates page for the full table.
How long do I have to repay a KAMCCU loan?
The maximum loan repayment period is five years (60 months). Shorter products like the Rapid Salary Loan run from as little as one month, and all products offer flexible monthly repayment.
What documents do I need to apply for a loan?
You need a completed loan application form (from any branch or downloadable from our website), a valid ID (Ghana Card, Voter's ID, Driver's Licence or Passport), proof of revenue or income, and proof of residence (GPS address). Salary loans also require your last three months' payslips or bank statement and employer verification.