loans

Apply with us!

Get your loan quickly & easily.

Realize your dream of owning a home, a car or finally doing that renovation with our loan.

01
Analysis

We assess your financial needs, eligibility, income, and repayment ability to determine the most suitable loan option.

02
Documentation

Submit the required documents, such as identification, proof of income, job letters, and any supporting financial information.

03
Approval

our application and documents are reviewed, and you will be notified once your loan has been approved.

04
Disbursement

After approval and completion of the necessary agreements, the loan funds are deposited or paid directly to the relevant party.

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Make Homeownership a Reality

Mortgage Loan

Whether you are purchasing your first home, building your dream property, or refinancing an existing mortgage, we are here to support you. Our mortgage loans offer flexible options, competitive rates, and personalised guidance to help make your journey to homeownership simple and manageable.

Eligibility Criteria

  • Must be permanently employed for a minimum of three (3) years
  • Must be a member for at least six (6) months
  • Two (2) forms of picture ID
  • Current job letter (Not older than three months)
  • Recent Pay slip
  • Utility bill

Interest Rate

0.417% per month on reducing balance (or 5% per annum)

Repayment Period

20 yrs or 240 months

Other relevant documentation

  • Copy of deed

  • Cadastral sheet

  • Land & Building Tax receipt

  • Agreement for Sale

  • Clearance certificate from WASA

  • Town and Country approval to subdivide and develop land

Drive Towards Your Next Adventure

Vehicle Loan

Whether you are purchasing a new or used vehicle, our vehicle loans offer competitive rates, flexible repayment options, and personalised support to make financing easier. Let us help you find a loan that fits your budget and gets you behind the wheel with confidence.

Interest Rate

0.533% per month on reducing balance (or 7% per annum)

Repayment Period

7 yrs or 84 months for new vehicles
5 yrs or 60 months on pre-owned vehicles

Eligibility Criteria

New Vehicles:

  • 10% deposit on shares
  • Vehicle to be assigned
  • Pro forma invoice for vehicle
  • Agricola’s interest to be notarized on Insurance

 

Pre-owned vehicles 

  • 20% deposit on shares
  • Vehicle to be assigned
  • Pro forma invoice for vehicle
  • Agricola’s interest to be notarized on Insurance
Payday Loans

Access this convenient, short-term loan which must be paid within 30 days and may be accessed up to six (6) times in a year.

Personal Loans

A flexible loan wich can be used for any purpose for amounts up to two times the value of your shares.

Jumpstart Loans

Designed for our new members to quickly achieve their short-term financial goals.

Demand Loans

Our easy, 'on-demand' facility for use in a tight squeeze or to achieve a financial target.

Loan Calculator

How much can you borrow?

Enter your loan details to estimate your monthly payment.

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Interest per month on the reducing balance
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Your estimated monthly payment
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Total Repayment $0.00
Estimated Interest $0.00
Repayment Period 0 months
Note: This calculator is intended as a guide only. The results do not represent approval for a loan and may exclude applicable fees, charges and other conditions. Contact the credit union for an accurate quotation.

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Realize your dream.

Take the next step toward achieving your goals with a flexible loan tailored to your needs. Whether you dream of owning a home, purchasing a car, or finally completing that long-awaited renovation, we can help provide the financial support to make it possible.

Apply for your loan with us!

Book an appointment with us today and take the first step towards your dream!

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Payday Loans

Interest Rate

4% per month on reducing balance

Repayment Period

1-2 Month(s)

Eligibility Criteria

  • Pay slip, not to exceed 1/3 net salary up to a maximum of $2,000.00
  • A minimum contribution to of $50.00/$100.00 to deposits per fortnight
  • May be accessed six (6) times in a calendar year

Personal Loans

Interest Rate

13% per annum on reducing balance

Repayment Period

5 yrs or 60 month

Eligibility Criteria

  • Maximum is three times the value of shares held
  • Must be a member for at least three (3) months
  • Must have ability to repay
  • Approval Process – 1 week

Documents

  • Two (2) forms of valid ID
  • Job Letter
  • Pay slip
  • Utility Bill for ‘Proof of Address’
  • Documents to support purpose for loan

Jumpstart Loans

Interest Rate

1% per month on reducing balance

Repayment Period

3 years or 36 months

Eligibility Criteria

  • Must be a member for at least two (2) months
  • Minimum monthly share saving of $250.00
  • Deposit to members shares – $5,000.00
  • Repayment via Salary deduction or bank standing order only
  • Normal lending criteria apply

Demand Loans

Interest Rate

2% per month on reducing balance

Repayment Period

3 months (Loans and interest)

Eligibility Criteria

  • Job Letter
  • Pay slip
  • Two (2) forms of ID
  • Utility Bill for ‘Proof of Address’
  • Any pertinent documents