Stronger Together with Group Loans
Pool your borrowing power with your cooperative or community group. Enjoy higher loan limits and shared responsibility through our group lending program.
Benefits of NCA Group Loans
Collective strength for greater financial access.
Joint Borrowing Power
Groups can access higher loan amounts than individual borrowers.
Shared Responsibility
Group guarantee system reduces individual risk and builds collective accountability.
Lower Interest Rates
Group loans attract more favorable interest rates due to reduced risk.
Flexible Terms
Customizable repayment schedules that work for the entire group.
Community Building
Strengthens community bonds through collective financial goals.
Capacity Building
Access financial literacy training and business development support.
Group Loan Process
Form Your Group
Organize a group of 5–15 members with shared goals.
Register Together
All members register with NCA as a cohesive group.
Apply for Loan
Submit a single group loan application with all members.
Funds & Repay
Loan disbursed and repaid collectively by the group.
Frequently Asked Questions
A minimum of 5 and a maximum of 15 members are required to form a group for our group loan program.
The group collects contributions from members and makes a single consolidated repayment to NCA on agreed schedules.
The group guarantee system means other members cover the default, and internal group mechanisms handle recovery.
Absolutely. Registered cooperative societies, VSLA groups, and community associations are welcome to apply.
Ready to Apply as a Group?
Bring your group together and access better financial opportunities with NCA.