Personal Loans to Power Your Next Big Move

No matter the event, emergency or just one of life’s curveballs, we can support your needs with a loan tailored specifically for you. Backed by easy applications and fast approvals, we can get you started in no time!

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Affordably tailored to fit every budget

Fast Turn Around

Get a loan secured by your savings on the same day and regular loans shouldn’t exceed a week.

Competitive Rates

Borrow at great interest rates to help overcome a short-term financial hurdle.

Peace of Mind

Rest easy knowing that C.O.B has your back even when life feels upside down.

Personal Loan Products

Below are the required documents, categories of loans on offer and the additional documentation required to qualify to apply for a particular loan.

What To Get Before You Apply?

These are required for all loans that are not savings secured and these form the base for ALL loan applications. With these documents “recent” means not being older than three months from the date on the document.

For Local Employed Members
A recent proof of address
A recent job letter
Last (2) two consecutive months’ worth of pay slips
Valid Photo Identification
Members working for employers who are unknown to the credit union would be asked to provide 3rd party verification of income. This can be in the form of:
Bank statements showing the salary consistently being deposited into that account for a minimum of (1) full year
Personal Income Tax Filings for the last 2-3 consecutive years 
NIS Earnings Statement for the last 2-3 consecutive years 
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For Local Self-Employed Members
A recent proof of address
Valid Photo Identification
Proof of business registration
Certificate of Business Registration and/or Certificate of Incorporation 
Notice of Directors (if the business is incorporated)
Proof of income
Income being assessed for self-employed members must be verifiable. Self-employed members must provide at least two of the following:
Three (3) most recent years of financial statements prepared and signed by a certified chartered account (income statement, balance sheet and profit/loss statement)
Three (3) most recent years income tax filings
Three (3) most recent years bank statements
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For Overseas Employed Members
A recent proof of address
A recent job letter
Last (2) two consecutive months’ worth of pay slips
Valid Photo Identification
Bank statements for the last year minimum
Credit report, inclusive of credit score, balances, payment amounts and all facilities both closed and open
Three (3) most recent years personal tax filings (W2s for US members, T4s for Canada members, P60s for UK members)
All documents must be notarised
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For Overseas Self-Employed Members
A recent proof of address
Valid Photo Identification
Certificate of Business Registration and/or Certificate of Incorporation 
Proof of business ownership (notice of directors)
Three (3) most recent years of financial statements prepared and signed by a certified chartered account (income statement, balance sheet and profit/loss statement)
Three (3) most recent years bank statements
Credit report, inclusive of credit score, balances, payment amounts and all facilities both closed and open
Three (3) most recent years income tax filings (W2s for US members, T4s for Canada members, P60s for UK members)
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Loans within Savings (LWS)

Visit one of our branches with your National Identificard Card or any other valid form of identification, a recent proof of income (Job Letter or 2 recent pay slips) and get the loan the same day! No appointments are required for this type of loan.

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Weddings & Funerals

For weddings, letters or invoices from service providers outlining the expenses are required. With respect to loans to cover funeral expenses, the invoice from the funeral home is required.

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Medical Emergency

Medical evidence inclusive of letters, invoices, etc. to support purpose of the loan, which indicate estimates of associated costs.

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Education

Letter of acceptance from the educational institution and statement of tuition fees/expenses.

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Debt Consolidation

Statement from various creditors which provide written confirmation of the amounts owed.

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Household

Proforma invoice or invoice from the place of business.

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Travel

Statement from various creditors which provide written confirmation of the amounts owed.

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Whether you’re building an emergency fund or saving for something special, our flexible options and competitive rates make it easier than ever to watch your money grow!

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