Join thousands of members accessing low-interest loans, savings programs, and investment opportunities — approved in 24 hours or less. UOJA Cooperative was founded to empower members with affordable, transparent financial services. As low as 2% per month. Profits return to members, not shareholders. Fast review process for qualified applicants with complete documentation. Every member is a co-owner. Share in surplus earnings through annual dividends. Clear terms, no hidden charges, and secure handling of member records. Salary deduction and other convenient repayment arrangements available. Loans, savings, investment opportunities, bulk purchase support, and more. From emergency loans to bulk groceries and vehicle financing. Multiple loan packages for every need. Shop quality goods at wholesale prices. Drive your dream car with cooperative financing. From application to cash in your account — designed to be as fast as possible. Fill out our simple digital form with your details and loan amount. Takes under 5 minutes. Upload your ID, salary slip, and guarantor details through our secure member portal. Our credit team reviews your application. Receive SMS and email notification within 24 hours. Funds are disbursed directly to your bank account on the next working day after approval. Everything you need to know before applying.The Fastest Way to Achieve Your Goal
Built Around Member Benefits
Low Interest Rates
24-Hour Approval
Member-Owned
Secure & Transparent
Flexible Repayment
Multiple Benefits
Everything You Need, Under One Roof
Loan Supermarket
Cooperative Store
Browse Store →Auto Sales Division
View Vehicles →Get Funded in 4 Simple Steps
Apply Online
Submit Documents
Get Approved
Receive Funds
Common Questions
Welcome
Trusted Cooperative Platform
Why Choose Us
Our Services
2%/ month flat interest
15%avg. savings vs. market
3%/ month vehicle finance
The Process
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FAQs
What is the interest rate on loans?▼
Our standard rate is 2% per month flat. Business loans are 2.5%, auto finance is 3%, and long-term loans (18+ months) qualify for 1.5% monthly. All rates are stated in your agreement before signing.
Who is eligible to join the cooperative?▼
Membership is open to employees, students, and staff of affiliated institutions. Membership fee is ₦5,000 (non-refundable) and minimum monthly savings of ₦5,000 is required.
How much loan can I access?▼
Your loan limit is typically up to 3× your verifiable monthly salary. For business loans, up to ₦5 million with adequate guarantors.
What documents are required?▼
Valid government-issued ID, 3 months payslips or bank statements, completed application form, at least one guarantor who is an active member, and your BVN.
How are repayments collected?▼
Primarily via direct salary deduction. Standing order mandates are also accepted. SMS and email reminders are sent 5 days before each due date.
How do I withdraw my savings?▼
Savings can be withdrawn partially or in full after clearing outstanding loans. A 30-day notice is required for amounts above ₦500,000.