Every individual consumer has a Credit Profile, which helps banks and other financial lending institutions make decisions about whether or not to lend you money, and, what interest rate to charge you. Some examples of transactions that require a lending institution to consider your Credit Profile include applications for a:

• Home Loan / Mortgage
• Homeowners Insurance
• Car Loan
• Car Insurance
• Credit Card
• Personal Loan
• Educational Loan

It's important to know where you stand, and be aware of your Credit Profile. Lenders prefer to work with individuals who have:

• a steady monthly income
• low or moderate debt-to-income ratio
• personal assets or collateral such as personal property
• a history of paying bills on time

Property liens, assets already being used as collateral or outstanding financial delinquencies are reasons that a lender may choose to deny you a loan, charge you a high interest rate or a high insurance premium.

• Access to Capital and Increased Purchasing Power: Because we have a wide network of financial institutions at      CIS, we offer individual consumers a wide variety of loan options with competitive interest rates and insurance      premiums.


• Education & Consultation Services: We consult on how to understand your Credit Profile and find the best      interest rates and insurance premiums for you. We will assist you in comparing consumer interest rates and      insurance premiums and financial products across West Africa.
       Learn more about how to save money through competitive interest rates.


• Build a Strong Credit Profile: When you register with CIS, you can manage your loans in one place and work to      build a strong consumer credit profile.


• Credit References: We can help you provide lenders with credit references and an understanding of your Credit      Profile, enabling you to secure the most appropriate loan for your needs.