Loan Products – JSTLCS

Loan Products

Flexible, affordable loans designed for judiciary staff

Short-Term Loan

5.00% per annum
  • Min: ₦10,000.00 – Max: ₦500,000.00
  • Tenor: 1 – 12 months
  • Payroll deduction repayment
  • No guarantor for small amounts
Apply Now

Long-Term Loan

8.00% per annum
  • Min: ₦100,000.00 – Max: ₦2,000,000.00
  • Tenor: 13 – 36 months
  • Payroll deduction repayment
  • Guarantors required
Apply Now

Emergency Loan

3.00% per annum
  • Min: ₦5,000.00 – Max: ₦150,000.00
  • Tenor: 1 – 3 months
  • Payroll deduction repayment
  • No guarantor for small amounts
Apply Now

How Loan Repayment Works

1. Apply Online
Submit your loan application through the member portal with all required documents.
2. Quick Approval
Applications are reviewed within 2-5 business days. You'll be notified of the decision via SMS and email.
3. Automatic Deduction
Once approved, monthly repayments are automatically deducted from your salary. No cash handling.