Compare personal loans in Cameroon
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Broadest loan range
Société Générale Cameroun — Consumer Loan
★★★★☆
Unsecured consumer loan, plus dedicated car, home, back-to-school and overdraft facilities
Loan Type
Licensed Cameroonian commercial bank — named on the BVMAC list of banques agréées and on the MINFI/DGTCFM approved-institutions overview
Licence
Salaried borrowers who want the loan matched to the purpose
Best For
bank
Type
Pros
- Purpose-specific products mean the term and structure are matched to the spend, rather than everything being forced into one consumer loan.
- Overdraft available for genuinely short shortfalls, which is cheaper than taking a term loan for a two-week gap.
- The Acajou savings plan gives an explicit route from saving into borrowing capacity.
Cons
- No interest rates, arrangement fees or maximum terms published anywhere on the site.
- Bank consumer lending in Cameroon leans heavily on salary domiciliation — if your income is informal, this is unlikely to be your route.
- Branch-based application with NIU paperwork; not fast.
Fees, eligibility & documents
Fees
Interest rateNot published; quoted on application. Ask for the total cost of credit in writing, not just the monthly instalment
Arrangement and insurance costsNot published; confirm what is bundled before you sign
Eligibility
- Regular, demonstrable income — salaried applicants are the core market
- Unique Identification Number (NIU)
- Account relationship with the bank, typically with salary paid in
Documents needed
- National identity card or passport
- Unique Identification Number (NIU)
- Payslips and employer certificate
- Bank statements
- Quotation or invoice for purpose-specific loans
BICEC — Prêt Personnel
★★★★☆
Unsecured personal loan; separate school-fee, mortgage and emergency facilities
Loan Type
Licensed Cameroonian commercial bank — named on the BVMAC list of banques agréées and on the MINFI/DGTCFM approved-institutions overview
Licence
Existing BICEC customers borrowing for school fees or a planned purchase
Best For
bank
Type
Pros
- A dedicated school-fee product, which matters in a market where the September cash squeeze pushes people towards far more expensive credit.
- Mortgage lending in-house, so a savings relationship can lead somewhere.
- Bank pricing is almost always cheaper than microfinance or informal credit for the same amount.
Cons
- No published rates, fees or terms for any of the loan products.
- French-only application information.
- An emergency-credit product is convenient but short-tenor credit is expensive credit — confirm the total cost before you take it.
Fees, eligibility & documents
Fees
Interest rateNot published; quoted on application
File and insurance feesNot published; ask for the total cost of credit in writing
Eligibility
- Demonstrable regular income
- Unique Identification Number (NIU)
- Existing BICEC account relationship in most cases
Documents needed
- National identity card or passport
- Unique Identification Number (NIU)
- Payslips and employer certificate
- Bank statements
- School invoice for crédit scolaire
UBA Cameroon — Consumer Credit
★★★★☆
Unsecured consumer credit
Loan Type
Stated on UBA Cameroon's own site as approved and regulated by the central bank; also named on the BVMAC list of banques agréées
Licence
Existing UBA customers who want to apply through digital channels
Best For
bank
Type
Pros
- Digital banking platform and virtual assistant may cut the branch trips a loan application usually costs.
- Backed by a large pan-African group rather than a single-country balance sheet.
- The bank states its regulated status on its own site — a small but genuine transparency point.
Cons
- The consumer-credit product is barely described; there is no term, rate or amount information at all.
- Salary domiciliation is the realistic route to approval, which excludes informal earners.
- Smaller branch network than the incumbent domestic banks if you need in-person help.
Fees, eligibility & documents
Fees
Interest rateNot published; quoted on application
Arrangement and insurance costsNot published; request the total cost of credit before signing
Eligibility
- Regular demonstrable income, typically salaried
- Unique Identification Number (NIU)
- UBA Cameroon account relationship
Documents needed
- National identity card or passport
- Unique Identification Number (NIU)
- Payslips and employer certificate
- Bank statements
Access Bank Cameroon — Car Loan & Pay Later
★★★★☆
Secured car loan; deferred-payment (buy-now-pay-later style) facilities for travel and purchases
Loan Type
Operating commercial bank in Cameroon; licence documentation is not displayed on the bank's own homepage
Licence
Salaried customers financing a vehicle, or spreading a travel cost
Best For
bank
Type
Pros
- English-language site with a downloadable Banking Conditions document — better disclosure practice than most peers here.
- A named car-loan product rather than a generic consumer loan, which usually means better terms for that purpose.
- Pay Later facilities are a rare structured alternative to putting a flight or purchase on informal credit.
Cons
- Deferred-payment products look cheap and rarely are — read the charge structure and what happens if you miss a payment before you take one.
- No rates, terms or amounts published for any of the three products.
- The bank's regulatory standing is not shown on its own site; confirm it independently before borrowing.
Fees, eligibility & documents
Fees
Interest and chargesNot published on the product listing; see the bank's downloadable Banking Conditions
Late or missed paymentNot published; ask specifically what a missed instalment costs on a Pay Later facility
Eligibility
- Salary or non-salary account holder with Access Bank Cameroon
- Demonstrable regular income
- Cameroonian identification and NIU
Documents needed
- National identity card or passport
- Unique Identification Number (NIU)
- Payslips or proof of self-employed income
- Vehicle quotation for a car loan
Advans Cameroun — Crédits sur Mesure
★★★★☆
Tailored microfinance credit — activity, study, emergency and agricultural purposes
Loan Type
Describes itself as a Cameroonian microfinance institution (EMF); no COBAC, MINFI or EMF category statement appears on its own site
Licence
Self-employed traders, artisans and farmers without payslips
Best For
mfi
Type
Pros
- Lends to people the banks structurally will not touch — no payslip, no salary domiciliation requirement implied.
- Agricultural credit is explicitly on the shelf, which matters given how thin formal farm finance is in Cameroon.
- Mobile channel (Advans Money on #150*7711#) reduces the branch dependency once you are a customer.
Cons
- Microfinance credit is expensive. Short tenors and small amounts mean the effective annual cost is typically far above bank lending — insist on the total cost of credit in FCFA, not a monthly percentage.
- No rates, fees, amounts or terms are published anywhere on the site.
- Emergency and study credit are the products where borrowers are most price-blind; that is exactly when to compare against a bank first.
Fees, eligibility & documents
Fees
Interest and chargesNot published; ask for the total repayable amount in FCFA before signing
File and insurance feesNot published; confirm what is added on top of the interest
Eligibility
- Trader, artisan, farmer, student or small-business owner in Cameroon
- Valid identification and NIU
- Account relationship with Advans in most cases
Documents needed
- National identity card or passport
- Unique Identification Number (NIU)
- Evidence of business activity or income
- Proof of address
Express Union Finance — Credit
★★★★☆
Microfinance credit for individuals and small traders
Loan Type
States on its own site that it is a second-category microfinance institution (EMF) under Cameroonian law
Licence
Borrowers who need a counter close to home, including outside the main cities
Best For
mfi
Type
Pros
- Reach is the real advantage — over 200 service points with evening and Sunday opening.
- You can start a loan request through its platform rather than only at a counter.
- Openly states its EMF category, which lets you check its supervisory basis.
Cons
- Microfinance lending is expensive relative to bank credit; short tenors push the effective annual cost up sharply. Ask for the total repayable in FCFA before agreeing.
- No rates, amounts, terms or fees are published for any credit product.
- The institution's centre of gravity is money transfer, so lending expertise and product depth are thinner than a specialist lender's.
Fees, eligibility & documents
Fees
Interest and chargesNot published; request the total repayable amount in FCFA
File feesNot published; confirm what is charged at application
Eligibility
- Cameroonian resident individual or small trader
- Valid identification and NIU
- Registration and, typically, a savings relationship at a service point
Documents needed
- National identity card or passport
- Unique Identification Number (NIU)
- Evidence of income or trading activity
- Proof of address
