CECAM review
Updated October 12, 2026 · SumCue Editorial Team
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Our verdict
For members arranging a purchase, CECAM is a direct lender offering personal, business and secured loans with home improvement as a use case. Membership frames access through the organisation and Vikina credit, while phone and email support accompany the personal, business and secured choice.
Key facts
- Best for
- Personal, business and secured loans for purchases
- Term
- 3 to 36 months↗
- Lender type
- Direct lender↗
- Eligibility
- Open to members only: copy of ID card, certificate of residence, 4 ID photos, membership fee and fixed social share; Vikina credit for people aged 21 to 35↗
- Loan types
- Personal, Business, Secured↗
- Use cases
- Home-improvement↗
- Legal entity
- UNICECAM - Caisses d'Epargne et de Credit Agricole Mutuels↗
- Headquarters
- Madagascar↗
- Founded
- 1993↗
- Support channels
- Phone, Email↗
- Official website
- unicecam.com
Savings
Apps and profiles
- Get the app
- App Store
Pros
Pros
- Provides direct lending across personal, business and secured loans
- Covers purchase purposes including home improvement as a use case
- Supports members through phone and email contact channels
Who it suits
- People holding CECAM membership
- Younger adults considering Vikina credit
How CECAM compares
Where CECAM is available
- Available
- Madagascar
- Licence in Madagascar
- Commission de Supervision Bancaire et Financiere (CSBF), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Who can apply for a CECAM loan?+
CECAM lending is reserved for members who have joined the organisation. A dedicated Vikina credit path exists for younger members. Membership therefore comes first, with borrowing available once that relationship is in place.
What kinds of loans does CECAM offer?+
CECAM provides personal loans, business loans and secured loans as a direct lender. Purpose centres on purchase, with home improvement as a use case. Those structures define the borrowing range available to members joining the organisation.
What can a CECAM loan be used for?+
CECAM loans are intended for purchase purposes. Home improvement stands as a supported use case within that purpose. Personal, business and secured structures give members different ways to arrange that purchase borrowing.
Which company operates CECAM?+
CECAM is operated by UNICECAM - Caisses d'Epargne et de Credit Agricole Mutuels. (Source, checked September 26, 2026)
Where is CECAM based?+
CECAM is based in Madagascar. (Source, checked September 26, 2026)
When was CECAM founded?+
CECAM was founded in 1993. (Source, checked September 26, 2026)
How can I contact CECAM support?+
CECAM offers support through Phone, Email. (Source, checked September 26, 2026)
Sources
- unicecam.com/contact.php checked September 26, 2026
Backs: Support channels
- unicecam.com/credits.php checked September 26, 2026
Backs: Fixed period, Loan types, Purpose, Term, Use cases
- unicecam.com/depots.php checked September 26, 2026
Backs: Access terms, Account kind, Minimum deposit
- unicecam.com/membre.php checked September 26, 2026
Backs: Eligibility
- unicecam.com/qui-sommes-nous.php checked September 26, 2026
Backs: Founded, Legal entity, Lender type, Licences
- unicecam.com/zones.php checked September 26, 2026
Backs: Headquarters
Compiled from 6 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: APR, Loan amount, Arrangement fee, Credit check, Funding time, Representative example.