Standard fees and charges

Every charge, disclosed upfront.

This is the complete list. If a fee is not on this page, you will not pay it. Most charges are collected once, at disbursement — so the instalment you agree to is the instalment you pay.

The fee table

Applies across all four loan products unless the product page states otherwise.

Fee / chargeRate / amountWhen collected

Interest rate5% – 10% per month (flat)Monthly, over the loan term

Processing fee5% – 6% of principalDeducted at disbursement

Registration feeGH₵ 20.00 (flat)Collected at disbursement

Loan insurance0.5% – 1.0% of principalCollected at disbursement

Cash collateral (if required)10% – 20% of principalDeposited before disbursement

Late payment penalty10% on overdue instalmentApplied per defaulted payment

Interest is quoted as a flat monthly rate. The exact rate within each product's published range is set by credit assessment of your income, profile and loan product. See each loan's page for its specific range.

Loan insurance — why it exists

Every TrustBridge loan carries a mandatory insurance premium of 0.5% to 1.0% of the principal, collected once at disbursement. It covers the outstanding balance in the event of the borrower's death, permanent disability or critical illness — so the obligation never falls on your family or estate.

Underwritten by an approved partner institution.

Cash collateral — when it applies

Some loans are secured with a refundable cash deposit of 10% to 20% of the principal, paid before disbursement. Your loan officer will tell you before you accept the offer whether it applies to you — never after.

Group and VSLA loans are usually secured by the group guarantee or savings pool instead.

What it looks like in cedis

A GH₵ 5,000 salary loan, priced end to end.

You receive

GH₵ 4,680

GH₵ 5,000 minus processing (250), registration (20) and insurance (50).

Monthly instalment

GH₵ 1,133.33

Six equal payments — salary deduction, bank or MoMo.

Total repayable

GH₵ 6,800

Principal plus GH₵ 1,800 interest at 6% per month.

If you miss one

+ GH₵ 113.33

10% penalty on the overdue instalment — talk to us early.

Representative example at 6% per month over 6 months, with a 5% processing fee and 1% insurance. Rates shown are representative; your figures depend on credit assessment. Try your own numbers in the calculator.

Questions about a charge? Ask before you sign. We prefer it that way.

Talk to a loan officer Compare the four loans

Important notice: all loan products are subject to credit assessment and management approval. Interest rates, fees, and loan amounts are indicative and may vary based on the applicant's credit profile, income level, and loan product selected. TrustBridge Microcredit Enterprise reserves the right to amend product terms at any time. Loan disbursement is subject to satisfactory verification of all submitted documents. This page is for informational purposes only and does not constitute a binding offer.

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