• Innovative Banking in Nigeria

A LOAN DESIGNED FOR WHATEVER
CHALLENGE YOU MAY FACE

Cowry (Personal) Loan

Funds that prepare you for the expected and the unexpected with very low rates and flexible payment plans.

A loan designed for customers of the bank who are confirmed staff at their place of work.

5 ways to achieve better personal financial management.

Personal finance is often taken for granted. Get insights for…

FEATURES

  • Available to age 22 – 55 years
  • Determined by 50% of monthly take home, subject to N3 million limit
  • Maximum tenor of 12 months with equal monthly repayment of principal and interest
  • Applicable interest rate: 2.5 % monthly
  • Late repayment fee of 1% flat per month (over the approved lending rate) applicable on outstanding unpaid obligation without recourse to Borrower
  • Domiciliation of salary with Heritage Bank
  • Undertaking by Borrower’s employer to keep salary domiciled with Heritage Bank and gratuity/severance/terminal benefits paid to the bank in event of default
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