Your Future, Funded. One Contribution at a Time.

Join the Cammy integrated cooperative society ltd to access flexible loans, savings plans, and investment opportunities, built around your life, your hustle, and your dreams.

WHAT IS CICSL?

Empowering Everyday Nigerians Through Community Finance

Cammy Integrated Cooperative Services Ltd is a registered financial cooperative committed to helping individuals and small businesses access the tools they need to thrive, from microloans to investment growth. As a member, you’re not just borrowing and saving; you’re building towards ownership, independence, and stability.

Our cooperative is open to all, whether you’re a market trader, student, salary earner, or entrepreneur. We bring real value to real people, and it starts with membership.

OUR SERVICES

Microloans

Quick loans, no long queues.
Access short-term funds to cover personal or business needs without stress or paperwork.

SME & Business Loans

Fuel your hustle.
Get the capital your small business needs to expand, restock, or survive tough times.

Target Savings Plans

Save with purpose.
Whether it’s rent, school fees, or a wedding, set a goal and we’ll help you reach it, one contribution at a time.

Fixed Deposits

Earn more by doing less.
Lock your savings for a fixed term and receive competitive returns — safely and reliably.

Emergency Funds Access

Life happens. We’re ready.
Access emergency funds from your savings with minimal penalties when life throws a curveball.

Contribution Rotations (Esusu)

Community wealth, organized.
Join trusted contribution circles to build lump sums faster, all managed transparently.

HOW IT WORKS

Join us Today

Fill the short form on our website.

Start Saving

Choose the plan that fits your goals.

Apply for a Loan

Choose the plan that fits your goals.

Earn, Grow, Repeat

Track your savings, repay with ease.

WHY CHOOSE US

Built On Trust. Backed By Community.

  • Transparent processes, no hidden charges

  • Flexible plans tailored to your income

  • Dedicated support from real people

  • Registered and complaint with local cooperative laws

Hear from Our Members

BECOME A MEMBER

Join Cammy Cooperative

Start your journey to smarter savings, access to loans, and real investment opportunities.

FREQUENTLY ASKED QUESTIONS

Cammy is a multi-service company in Nigeria offering financial (loans, savings, investments), logistics, and real estate services through a range of specialized subsidiaries.

Yes. Cammy Integrated Services and its cooperative arm operate in full compliance with Nigerian regulatory requirements and licensing bodies.

We offer microloans, salary advances, and small business loans. Loan limits vary depending on your membership level and repayment history.

It’s our licensed cooperative platform offering loans, savings, and investment opportunities to members.

We list residential, commercial, and land properties for rent or sale, verified through our partner agents.