Frequently asked questions
Everything you want to know, answered.
Membership, savings, loans, member prices and delivery — the short version. Still stuck? We answer on WhatsApp 8am–8pm, every day.
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Membership
Who can join the cooperative?
Anyone aged 18 or over. Membership is voluntary — create an account on the store, complete the short registration, and pay the annual membership fee of ₦2,000 (non-refundable). Your member price shows on every product the moment you are enrolled.
What does my membership give me?
Member prices on every basket (1–5% off, applied automatically at checkout), a savings wallet that grows as you shop, automatic tier upgrades from your lifetime spend, and access to member-only cooperative services like savings, loans and financial guidance.
Can I leave the cooperative if I change my mind?
Yes. You are free to leave at any time and withdraw your savings, as long as you have no outstanding loan and no secured loan still to be repaid.
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Savings & your wallet
Is there a minimum amount I can save?
You can top up your savings wallet from as little as ₦500, and there is no upper limit on your balance. Save what you can, when you can — regular saving is the habit the cooperative exists to build.
How does the savings wallet work?
Top it up by card or bank transfer, then spend it at checkout like cash — it is the fastest way to pay on the store, and any refund lands straight back in it. You can also lock part of your savings for a fixed term to earn interest, while the rest stays free to spend.
Can I use my membership in-store as well as online?
Yes. Give your member number at the till in our Ejigbo or Command branch and your member price applies there just as it does online.
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Loans & credit
When can I borrow from the cooperative?
Once you have made regular contributions for at least six months and your minimum share capital is paid in full. Saving consistently is what unlocks borrowing — it is the whole idea of a thrift cooperative.
How much can I borrow?
Members can borrow more than 200% of their total savings. Rather than cap you at a rigid multiple, we design an amount around your genuine personal or business need, subject to one or two simple conditions.
Do I need a guarantor?
Loans are guaranteed by eligible active members of the cooperative. There is no fixed limit on the number of guarantors, and you can act as your own guarantor when the loan you are taking is within your savings balance — in which case no other guarantor is required.
What are the repayment terms?
A fair, fixed interest rate with no hidden fees and no transaction fees. You repay from your salary or business income, or on a schedule agreed with you and suited to your business cycle. You may pay extra to clear a loan early, provided the full value is repaid within the agreed period.
How many loans can I have at once?
One at a time. A new loan becomes available once your current one is fully repaid with no default.
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Shopping & delivery
How do member prices work?
Sign in to your active member account (or present your member number in-branch) and member prices apply automatically at checkout. There are no coupons or codes to remember.
Do you deliver, and is it free?
We deliver across Lagos — same-day express or standard — and delivery is free once your basket passes the threshold shown at checkout. You can also collect from our Ejigbo or Command branch.
What if something arrives in poor condition?
Our frozen goods travel cold-chained. If anything arrives with a condition issue, message customer care on WhatsApp the same day with a photo and we will make it right.
Didn’t find your answer?
Our team is happy to help with anything about membership, an order, or the cooperative.