Public Sector Personal Loan is a product that offers personal loans through Payroll Lending to Civil Servants at the Federal levels. PSPL is deduction-based, as repayments due to our Bank are deducted at source before salary payments are made to obligors.

No personal Guarantor is required for this loan, however, with the acquisition of Cintrust Mfb Ltd Public Sector Salary Access Deduction Code, we are guaranteed of the monthly repayment as it is deducted at source.

• Loan amount between N200,000 and N5,000,000.00
• Maximum loan tenor of 12 months.
• Interest rate of 3% and fees of 2%
• No collateral
• No Bank Account opening required. It is a Payroll Lending.
• Training on basic financial management, business planning and customer relations.
• Flexible repayment structure.
• No personal Guarantor is required for this loan
• Client must be a Civil Servant under State or Federal Government establishment