All loans
Individual
Salary Loan
For permanent and contract salaried employees. Borrow GH₵ 500 to GH₵ 50,000 for personal needs, business, education, medical costs or an asset purchase — repaid monthly from your salary.
Interest rate
5–10%
per month, flat rate
Loan amount
GH₵ 500–50,000
per applicant
Maximum tenure
6 months
shorter terms welcome
Disbursement
48 hours
after acceptance
Full terms
Everything, in the open.
Who it is forPermanent and contract salaried employees.
Interest rate5% – 10% per month, flat rate.
Loan amountGH₵ 500 – GH₵ 50,000.
Maximum tenureUp to 6 months.
RepaymentMonthly instalment by salary deduction, bank transfer, or Mobile Money.
SecuritySalary assignment, personal guarantee, or cash collateral.
Processing fee5% – 6% of principal, deducted at disbursement.
Registration feeGH₵ 20.00 flat, collected at disbursement.
Loan insurance0.5% – 1.0% of loan principal.
Late payment10% penalty on any overdue instalment.
Representative example
GH₵ 5,000 over 6 months
At 6% per month flat, you repay GH₵ 6,800 in total — six equal instalments of GH₵ 1,133.33.
PrincipalGH₵ 5,000.00
Interest (6% × 6 months)GH₵ 1,800.00
Total repayableGH₵ 6,800.00
Monthly instalment × 6GH₵ 1,133.33
Processing fee (5%)GH₵ 250.00
Registration + insurance (1%)GH₵ 70.00
Rates shown are representative examples. Your rate is set by credit assessment within the published range.
What you can use it for
Personal needsBusinessEducationMedicalAsset purchase
Before you apply
Have these ready and approval moves fast.
Valid Ghana Card
Front and back copy — mandatory for all applicants.
Proof of address
Recent utility bill or Ghana Post GPS digital address.
Three months of payslips
So we can see your income and set an instalment you can carry.
Passport photograph
One recent passport-sized photo of the applicant.
Bank / MoMo statement
Last 3 months — for disbursement and repayment verification.
Your employer may be asked to confirm your employment and salary assignment. 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.