Like any bank, PASPATOU is a credit institution that makes funds available to its customers with the commitment to repay the sums borrowed in the short and long term, ie 6 and 12 months, depending on the scheme chosen. Several characteristics are to be taken into account in a loan from PASPATOU: the amount borrowed, the duration of the loan, the borrowing rate and any costs. In addition, the lender must be a client affiliated with the Tchotcho Pam service. Said loan must have a duration equivalent to the remaining number of months of the contract signed in the Tchotcho Pam program.