Credit that’s ready when you are.

The Moni-Tree Line of Credit gives you ongoing, hassle-free access to credit without making multiple loan applications. Pledge your savings or the equity in your vehicle or property, and draw on a revolving credit limit whenever you need it.

95%

Of pledged security

Draw

As needed

Revolving

Credit line

Apply now See the details

Woman managing her flexible MCCU Moni-Tree Line of Credit

Revolving credit

Reuse as you repay

Draw anytime

Funds ready when needed

Up to 95%

Of the security you pledge

Flexible collateral

Savings, vehicle or property

Flexible credit

A safety net that’s always there

Life doesn’t always give notice. A Moni-Tree Line of Credit keeps a revolving credit limit on standby, so you can handle the unexpected without making multiple loan applications.

Pre-approved pool

Access an approved credit limit without reapplying each time.

Draw as needed

Take what you need, when you need it, up to your limit.

Pledge as security

Pledge your available funds or the equity in your motor vehicle or property as collateral.

Revolving access

As you repay, your available credit is restored for future needs.

At a glance

What this loan offers

How it works

Get up to 95% of the amount you pledge as security

Pledge your available funds or the equity in your motor vehicle or property as collateral

A credit limit is established for you

Access the funds using your Access Plus ATM card or a withdrawal at any branch

Repay by making regular monthly payments

Enjoy continuous access to funds within your credit limit

General loan requirements

Job Letter

Proof of address (not older than 3 months)

Last three (3) months’ payslips

Financial Statements (self-employed individuals)

Verification of purpose

ID (Passport, Driver’s Licence or National ID)

Taxpayer’s Registration Number (TRN)

Credit Union passbook

Disclaimer: The terms and conditions of the products are subject to change from time to time. Please confirm the current terms and conditions with a Member Service Representative. Conditions apply.

Getting started