Consumer Loans

Consumer Loans

  • These are consumptive personal loans.
  • Granted to formally employed people.
  • Subject to payroll deduction arrangement.

This is a consumptive loan facility exclusively tailor made for civil servants. Loan repayment deductions are made through SSB payroll deductions.

  • This facility is exclusively meant for employees in the Ministry of Defense.
  • The facility can be used to finance agricultural inputs, purchase of solar equipment, building materials and other consumptive purposes.
  • Loan repayments are subject to ZAPAR payroll deductions.


  • Copy of identity card
  • Proof of residence
  • Passport size photo
  • Current pay slip or proof of income
  • Letter of confirmation from employer (for payroll based loans)
  • Latest 3months bank statement (for payroll based loans)
  • Guarantor/security (for payroll based loans)