Who is concerned ?
CREDITEXPRESS is a program conceived by OMNIFINANCE for any person looking forward to finance:
- An unforeseen expenditure
- A personal obligation
- A family obligation
- A passion
- A trip
- or just to have a better control of one’s savings
Whate are the benefits of CREDITEXPRESS ?
CREDITEXPRESS is a saving program spread over 12 months minimum leading to a short-term loan. It is
-
A flexible saving
Freedom is given to the subscriber to choose his rate/rhythm of saving: monthly, quarterly, semi-annually or annually.
-
A safe saving
Every 25th of the month, the staggered amount is automatically transfered into the saving account. This account shall be blocked throughout the duration of the contract.
-
A short term guaranteed credit
At the end of the saving period, you obtain:
- your CREDITEXPRESS savings and the generated interests,
- a short-term loan at a preferential rate that can reach the double of the saved amount. The justification of the object of the loan is not required.
Throughout the contract, CREDITEXPRESS is remunerated at an annual interest rate of 4,5 %.
What are the subscription conditions ?
Any individual having a regular income being able to be domiciled or delegated and holder of a current account at OMNIFINANCE can subscribe to a CREDITEXPRESS account.
All you need is
- make a minimum initial deposit of 25 000 F CFA,
- make a minimum monthly contribution of 10 000 F CFA,
- sign the CREDITEXPRESS contract
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