Loans

We're Here For Every Stage Of Life

At BET Co-operative Credit Union Ltd (BETCUL), we understand that our members have different financial needs, whether buying a home, covering unexpected expenses, or investing in their future. That’s why we offer a variety of loan options tailored to suit every stage of life.

Our interest rates vary from 4.75% up to 16%, depending on the loan type and security offered. Loans can be offered as:

  • Fully secured
  • Partially secured*
  • Unsecured*

Special terms and conditions apply.

Members can borrow up to $500,000, making our loan options flexible and accessible.

Personal Loans

Our Personal Loans provide financial flexibility for various needs, including medical expenses, home improvements, debt consolidation, or any personal projects. Features include:

  • Flexible repayment terms
  • Quick and easy application process

Line of Credit

The BETCUL Line of Credit is a revolving loan with a maximum amount of $10,000.00. This facility allows members to access funds when needed without reapplying for a loan. It’s perfect for managing unexpected expenses or supplementing your cash flow. Benefits include:

  • Pre-approved funds available at your convenience
  • No need for repeated loan applications

Vehicle Loans

Need a new or pre-owned vehicle? Our Vehicle Loans offer competitive financing options to help you drive away with the car that suits your needs.

  • Low interest rates (between 3.5% to 12%)
  • First Year’s insurance can be included*

Education Loans

Invest in your future with our Education Loans, designed to help members and their families cover tuition fees, books, and other educational expenses. We support financing for:

  • Local and overseas tuition
  • Vocational and technical training
  • School-related expenses

Debt Consolidation Loans

Managing multiple debts? Our Debt Consolidation Loan allows you to combine multiple loans or credit card balances into one manageable payment. Benefits include:

  •  Lower interest rates
  • Simplified repayments
  • Reduced financial stress

At BET Co-operative Credit Union Ltd, we are committed to providing affordable and flexible loan solutions to help our members achieve their financial goals.

Whether you need to borrow for a major purchase, an emergency, or an investment in your future, we are here to help!