What Makes Us Different
No Collateral Loans
Loans are guaranteed by members, not Collateral.
Daily Savings Made Easy
Save any amount of your choice daily, with real-time alerts.
Offline-Friendly
Use vouchers or visit POS agents; no internet required.
Transparent & Local
No hidden fees; built for your communities.
Who We Are
EESCREDIT brings cooperative power to your fingertips, and combines community trust with modern digital access. We serve individuals and families who want stability, opportunity, and financial growth without the intimidation of traditional banking.
Our Mission
To empower people with simple, trustworthy, and community-driven financial services that improve everyday life.
Our Vision
A Nigeria where anyone can save, grow, and prosper without barriers.
Our Core Values
Trust
Transparent, community-first operations.
Simplicity
No jargon—just clear steps and real results.
Access
Vouchers, POS agents, and digital tools for everyone.
Growth
We help you build what matters.
Community
We rise together.
What We Do
At EESCREDIT, financial inclusion is just the beginning. We go beyond banking. Beyond savings. Beyond loans. We create opportunities. Here are other things we do to improve the economic lives of our members:
Targeted Savings Plans
Save daily, monthly, or seasonally with plans like Wise Ant, Youtide, Project Savings, and more.
Cooperative Loans
Get access to non-collateral loans guaranteed by fellow members.
Member Discount Store
We stock essential commodities in large quantities and sell to members at discounted rates.
Cold Room & Frozen Foods
Our food distribution arm offers members access to high-quality frozen foods at cooperative prices.
Warehousing & Transportation
We operate transport and logistics services that support our business-minded members.
Business Support & Advisory
Members enjoy exclusive guidance, training, and opportunities to scale their businesses.
EESCREDIT Vouchers
Save or transact anytime, anywhere with our convenient voucher system.
Every service is approved and overseen by the Cooperative Management Committee for transparency and shared benefit.
How It Works
Getting started is simple—even if it's your first time using a digital platform.
Sign Up
Join as a Thriftier or Member using your phone number or email.
Fund Your Wallet
Buy vouchers online or from neighborhood POS agents.
Choose a Savings Plan
Select from flexible, tailored options for your goals.
Save & Track Daily
Receive instant SMS/email alerts and monitor your balance.
Access Loans
Get guaranteed by fellow members. No collateral needed.
Agent Support: POS Agents help low-tech or unlettered users save effortlessly.
Membership Tiers
Choose the Tier That Matches Your Ambition. Five affordable tiers with increasing access, influence, and cooperative benefits.
- Access to basic savings
- Community activities
- Basic support
- All Starter benefits
- Discounts on goods
- Limited loan access
- Priority support
- All Builder benefits
- Full loan access
- Dividends
- Training programs
- Extended support
- All Achiever benefits
- Voting rights
- Priority access to cooperative assets
- Advanced training
Members may pay annually or in instalments. Membership activates upon full payment.
Savings Plans
There's a plan for every hustle.
Daily/weekly, flexible withdrawal.
Small steady savings, big monthly payout.
For festive shopping and seasonal needs.
Structured savings for fees and education.
Quick-access rainy day fund.
All plans come with SMS/email alerts and flexible pause/top-up options.
Frequently Asked Questions
Anyone living in Port Harcourt or nearby communities.
Thriftiers save; Members get full rights and benefits including voting rights, dividends, and access to all cooperative services.
Before first withdrawal (Thriftiers only). Members provide BVN during registration.
Use vouchers from POS agents or online through our secure payment gateway.
Yes, you can load multiple vouchers to build your savings balance.
Loan applications are processed within 24-48 hours for eligible members with consistent savings history.
What Our Members Say
Contact Us
We'd love to hear from you
Head Office
21 Emekuku Street, DLine, Port Harcourt, Rivers State
Business Hours
Monday - Friday: 8:00 AM - 6:00 PM
Saturday: 9:00 AM - 4:00 PM