All loans
Community
Group Loan
For organised groups, cooperatives and associations. Members borrow GH₵ 500 to GH₵ 20,000 each for trading, agriculture and services — secured by the group's joint guarantee.
Interest rate
4–7%
per month, flat rate
Loan amount
GH₵ 500–20,000
per member
Maximum tenure
6 months
shorter cycles welcome
Disbursement
48 hours
after acceptance
Full terms
Everything, in the open.
Who it is forOrganised groups, cooperatives, and associations.
Interest rate4% – 7% per month, flat rate.
Loan amountGH₵ 500 – GH₵ 20,000 per member.
Maximum tenureUp to 6 months.
RepaymentWeekly or monthly group repayment schedule.
SecurityGroup guarantee — joint and several liability of all members.
Processing fee5% of principal, deducted at disbursement.
Registration feeGH₵ 20.00 flat, collected at disbursement.
Loan insurance0.5% – 1.0% per member per loan cycle.
Late payment10% penalty on any overdue instalment.
Representative example
GH₵ 2,000 per member, 4 months
At 5% per month flat, a member repays GH₵ 2,400 in total — about GH₵ 600 across 4 monthly payments.
Principal (per member)GH₵ 2,000.00
Interest (5% × 4 months)GH₵ 400.00
Total repayableGH₵ 2,400.00
Monthly instalment × 4GH₵ 600.00
Processing fee (5%)GH₵ 100.00
Registration + insurance (1%)GH₵ 40.00
Rates shown are representative examples. Your rate is set by credit assessment within the published range.
What you can use it for
TradingAgricultureServicesIncome-generating activities
Before you apply
Have these ready and approval moves fast.
Ghana Card — every member
Front and back copy for each borrowing member.
Proof of address
Recent utility bill or Ghana Post GPS digital address.
Passport photographs
One recent passport-sized photo per member.
Group constitution
Your group's rules, member list and office holders.
Bank / MoMo statement
Last 3 months — for disbursement and repayment verification.
The group guarantee replaces individual collateral — every member stands behind every loan. See the full application process — from application to disbursement in as little as 4 days.
Apply today. Funds in 48 hours after acceptance.
Disbursed by bank transfer or Mobile Money — MTN, Vodafone or AirtelTigo. We are open every day, 6:00 AM to 10:00 PM.