The Fastest Way to Achieve Your Goal
Join thousands of members accessing low-interest loans, savings programs, and investment opportunities — approved in 24 hours or less.
Built Around Member Benefits
UOJA Cooperative was founded to empower members with affordable, transparent financial services.
Low Interest Rates
As low as 2% per month. Profits return to members, not shareholders.
24-Hour Approval
Fast review process for qualified applicants with complete documentation.
Member-Owned
Every member is a co-owner. Share in surplus earnings through annual dividends.
Secure & Transparent
Clear terms, no hidden charges, and secure handling of member records.
Flexible Repayment
Salary deduction and other convenient repayment arrangements available.
Multiple Benefits
Loans, savings, investment opportunities, bulk purchase support, and more.
Everything You Need, Under One Roof
From emergency loans to bulk groceries and vehicle financing.
Loan Supermarket
Multiple loan packages for every need.
- Salary advance up to 3× monthly pay
- Business loan up to ₦5M
- 24-hour approval guaranteed
Cooperative Store
Shop quality goods at wholesale prices.
- Foodstuffs, household goods
- Pay via loan deduction or cash
- Bulk order discounts
Auto Sales Division
Drive your dream car with cooperative financing.
- New and used vehicles
- Up to 36-month repayment
- Insurance included
Get Funded in 4 Simple Steps
From application to cash in your account — designed to be as fast as possible.
Apply Online
Fill out our simple digital form with your details and loan amount. Takes under 5 minutes.
Submit Documents
Upload your ID, salary slip, and guarantor details through our secure member portal.
Get Approved
Our credit team reviews your application. Receive SMS and email notification within 24 hours.
Receive Funds
Funds are disbursed directly to your bank account on the next working day after approval.
Common Questions
Everything you need to know before applying.