Secondary Member Promo

1. Who is a Secondary Member?

A Secondary Member is an individual who joins CareCoop through an existing Principal member, typically a spouse, parent, child, or sibling of a Principal member

2. How can one join under Secondary Membership?

If you satisfy the requirements above, you could download a Secondary membership form from our website www.carecoop.org, fill it out and send it with attachments indicated to membership@carecoop.co.zm

Mandatory requirements for all categories:

• Certified copy of NRC.
• One (1) passport-size photograph.
• Completed DDACC mandate with a minimum monthly contribution of K215.

Sibling of the Principal Member:

• Certified copies of the birth certificates of both the Principal member and the sibling showing at least one common parent; or
• An affidavit confirming the relationship.

Spouse of the Principal Member:

• Certified copy of the marriage certificate.

Parent of the Principal Member:

• Certified copy of the Principal Member's birth certificate confirming the parent-child relationship; or
• An affidavit confirming the relationship.

Child of Principal Member

• Certified copy of birth certificate or certified copy of court order for legally adopted children.

3. What are the benefits of being a Secondary Member?

Secondary Members enjoy the same benefits as Primary Members. These include:

• Access to all eligible CareCoop products and services.
• Immediate eligibility to apply for loans without a waiting period.
• Eligibility for promotions and special offers, subject to applicable terms and conditions.

4. What types of loans can Secondary Members apply for?

Secondary Members may apply for all available loan products, subject to the terms and conditions applicable to each facility.

5. Can a Secondary Member qualify for a loan immediately after joining?

Yes. Effective 18 June 2026, Secondary Members no longer have a waiting period. Once membership has been approved and the member has been onboarded, they become eligible to apply for a loan, subject to the applicable terms and conditions. This is a limited offer and qualifying individuals are encouraged to participate.

6. How do I apply for a loan?

CareCoop provides several channels for loan applications.

Members may apply online through the member portal. Registration details are available for members who have not yet been onboarded.

Manual applications may also be submitted via email:

Emergency Loans: emergencyloan@carecoop.co.zm

All Other Loans: carecoop.loanapp@carecoop.co.zm

7. Do Secondary Members qualify for promotions?

Yes. Both existing and new Secondary Members are eligible for promotions and can access all loan products immediately, subject to the terms and conditions applicable to each loan facility.

8. What are the requirements for the Loan Promotion?

To qualify for the promotion, a member must:

• Have an active account with one of the participating banks (currently Absa, FNB, and ZANACO – subject to confirmation).
• Be linked to a Principal Member who has an active CareCoop account.
• Provide proof of income.
• Members in the informal sector must provide:
• A registered business.
• Six months' bank statements.
• Cash flow projections.

Members in formal employment must provide:

• Reference letter from the employer confirming paypoint.
• Employer-stamped payslip.
• Certified copy of NRC.
• Valid employment contract.
• Completed DDACC form linked to the participating banks.

10. I have been a Secondary Member and was referred by my spouse—do I qualify for this promotion?

Yes. Both existing and newly enrolled Secondary Members qualify for this promotion, provided they meet the applicable requirements and terms and conditions.

11. Can Secondary Members access the new product?

Yes. Where applicable, Secondary Members may also benefit from products and services available under the new offering, subject to eligibility requirements.