The provident loan program serves to bridge the income gaps that individual members may face, by offering them various loan products at competitive rates vis-à-vis informal lenders and conventional financial institutions.
| Credit/Loan Rates | Term | Rate per month | Service Fee |
| Multi - purpose Loan | Maximum 12 months | 1.50% | 1% |
| Special Loan | Maximum 2 months | 0% | 1% |
| Educational Loan | Maximum 6 months | 1.25% | 1% |
| Special Purpose Loans | Maximum 3 years | 2.0% to 2.5% | 1% |