The bank offers a wide-range of credit products supposed to fit with the existing or future demands of the economy and its customers.

All applicants applying for any type of loan/facility must fulfil the following general eligibility criteria:

• Any credit applicant needs to open either a checking or saving account at anyone of the bank’s branches before applying for a loan
• All persons engaged in lawful trading activities and creditworthy businesses are eligible to borrow business loans, and private individuals are eligible to borrow consumer loans. Other non-trading institutions will also be eligible depending on their nature.
• Business credit applicants should present renewed trade license or investment license and principal registration certificate for new projects.
• All applicants/mortgagors/major stakeholders should present their Tax Identification Number (TIN) and of their spouses, if any;
• The applicants/major stakeholders engaged in the business should present tax clearance certificate.
• The applicant and/or any of its major shareholders/subsidiaries must not have any non-performing loans in any bank including Cooperative Bank of Oromia.
• There should never be any information available/circulated/ recorded about the applicant to be involved in tax evasion, any breach of exchange control regulations, or any illegal/unlawful dealings.
• The applicant must not have any record of mal-operation of checking accounts in the banking system until the rehabilitation period is expired. The applicant shall at least meet the minimum required equity contribution.
• The applicant has to present all the documents/information demanded by the bank.

In addition to these general criteria, customers have to fulfil the specific eligibility criteria set for each loan and advances.