Heritage Multipurpose Cooperative helps you develop a consistent savings habit and rewards you with loan access after 90 days of contribution.
Three simple steps from sign-up to loan access.
Sign up and complete your KYC onboarding in minutes. Your data is secured and encrypted.
Select from 5 packages (Bronze to Emerald) based on your daily savings capacity.
Contribute your daily amount for 90 days to unlock your loan entitlement.
Choose the package that fits your daily savings capacity. All packages unlock a loan after 90 days.
Double your momentum towards bigger goals.
High-capacity savings for ambitious targets.
Slide to preview your 90-day savings and loan entitlement.
Registered under Nigerian cooperative law. Your contributions are protected.
Unlock loans up to ₦2,000,000 based on your package after 90 days.
Real-time dashboard showing contribution days, total saved, and loan eligibility.
Access cooperative loans without physical collateral — your contribution record is enough.
A cooperative model where members support each other's financial growth.
All transactions processed via Squadco — PCI-DSS compliant payment infrastructure.
Join hundreds of Nigerians already building wealth daily through Heritage Cooperative.