STO Credit Scheme was established in October 1995 with the objective of providing Government employees the flexibility of purchasing goods from STO on installment basis.

Due to its popularity and success over the years, we have been receiving very good response with increasing number of customers purchasing goods via credit scheme on a daily basis throughout the year.

The STO Credit Scheme is available to employees of Government, Government controlled companies and STO joint venture companies.

The credit Scheme procedure is designed in a way to provide speedy service and flexibility to Credit Scheme Customers. The process starts from approving Credit Scheme form from STO head office. In this step every applicant is given a credit limit depending on their basic salary. This limit ranging from 5,500.00 to 20,000.00 and depending on their salary and educational allowance a limit is allotted to each customer. An interest of 10% is chargeable on the goods purchased via credit scheme as interest. Customers can choose to purchase goods from all the outlets except STO Peoples Choice Supermart, STO Peoples Choice Staple foods and STO Peoples Choice Medicals.

Get the rules, forms and other documents and formats for the credit scheme from our downloads page.