We offer structured credit products tailored to meet personal and business needs.

Our Loan Products:

• Salary Advance Facility

Our Salary Advance Facility provides short-term financial support designed to bridge the gap until your next payday. This facility ensures you can meet urgent obligations and manage unexpected expenses with ease, while enjoying a straightforward and transparent repayment structure.

• Equipment Financing

Pivot (Ikeja) Cooperative Multipurpose Society Limited offers flexible equipment financing solutions to both members and non-members. This facility enables you to acquire essential items such as laptops, mobile phones, electronics, home appliances, and office equipment at competitive prices, with convenient repayment options spread over six to twelve months. In today’s rapidly evolving digital and business environment, access to reliable personal and professional gadgets is no longer optional; it is essential for productivity, learning, and operational continuity. Our Equipment Financing solution ensures you can own the tools you need now, while paying in structured and manageable instalments.

• Car Loan

Pivot (Ikeja) Cooperative offers flexible vehicle financing to support personal or business needs. Contact us to access a professional and transparent loan solution for your next vehicle.

• LPO Financing

Are you an entrepreneur seeking short-term financing for your contract or LPO? Pivot (Ikeja) Cooperative provides tailored LPO financing solutions with competitive rates. This facility is designed to support micro and small business owners in funding major job supplies, distributorships, and sub-distributorships with credible third parties. Eligible third parties should have a proven track record of timely payments. The facility covers the financing of goods and distribution allocations, with repayment scheduled upon completion or delivery.

• Working Capital Loan

Pivot (Ikeja) Cooperative provides working capital financing to entrepreneurs at competitive rates. Our approval process is swift and efficient once eligibility requirements are met.

• School Fees Financing

Education costs continue to rise, placing financial pressure on families. Pivot (Ikeja) Cooperative offers School Fees Financing to help parents and guardians meet their obligations with ease and flexibility. This facility features no hidden charges, no penalties for early repayment, and multiple repayment options tailored to your needs.

Eligibility: Applicants must be at least 18 years old, provide valid identification, proof of income, a functional bank account, and demonstrate no prior loan defaults.

Key Features Across All Loan Products:
✔ Loan from ₦50,000 and above
✔ Flexible repayment (up to 12 months)
✔ Early repayment discount
✔ No hidden charges
✔ Fast approval process