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If you wish to apply and get quick loans in Ghana, there are specific companies to approach. Several companies offer quick mobile loans cheaply. Below is a list of best mobile loan companies in Ghana :
—-AgyenkwaSika-online loan
Product Description:
Amount : GH₵ 200- GH₵ 5,000
Loan Term: 3, 6, 9 and 12 months
—-Cedis Pay
Disclosure of all fees and charges
| Product | Minimum Interest Rate per month | Maximum loan term | Maximum loan amount | Processing fees | Insurance |
| Mobile Money Loan (CedisCredit) | 5% | 3 months | Up to GHS 3,000 | Not applicable | Not applicable |
| Credit Builder Loan | 5% | 3 months | Up to GHS 5,000 | 3% of approved loan amount | 0.65% of approved loan amount |
| Emergency loan (Cash Me) | 5% | 3 months | Up to GHS 3,000 | Not applicable | Not applicable |
| Unsecured Salaried loan (Loan me) | 5% | 6 months | Up to GHS 10,000 | 3% of approved loan amount | 0.65% of approved loan amount |
| Loan Me – based by pension assets | 2.5% | 12 months | Up to GHS 20,000 | 3.5% of approved loan amount | Not applicable |
| Investment / Savings Backed Loan | 2.5% | 12 months | Up to GHS 20,000 | 3.5% of approved loan amount | Not applicable |
| Pay-roll Loan | 4% | 12 months | Up to GHS 10,000 | 3% of approved loan amount | 0.65% of approved loan amount |
| Business loan (Capital Me) | 6% | 6 months | Up to GHS 20,000 | 3% of approved loan amount | 0.65% of approved loan amount |
| Business line of credit (Capital Me – Topup) | 6% | No term limit | Up to GHS 20,000 | 1% of approved loan amount | 0.65% of approved loan amount |
—Fido
Fido gives a credit of up to GHS 4,000 paid instantly to your mobile wallet. Flexible repayments, no paperwork, no collateral – no wahala.
You will get money within 15 minutes.
—-CediBoom
The loan amounts range from GH₵ 5,000 and GH₵ 10,000, depending on the borrower’s credit standing. As for the interest rate, it ranges from 12% to 28% annually. Borrowers are afforded the repayment choice of either monthly installments or a lump sum payment within a period of 91 to 365 days. The best part is that there is no processing fee involved or any collateral required.
CediBoom is one of the best mobile Apps for instant loans in Ghana.They don’t harass creditors in case they fail to pay in time.
—-Qwikloan Ghana
Customers can access up to GH¢ 1,000
Qwikloan is a 30-day loan. At the end of 30 days, the loan is repaid in one single amount at a fee of 6.9 per cent and it does not need a bank account to access it.
—PK Loan Personal Online Loan for Android
It allows you to borrow up to GH₵ 5,000.There is not collateral required.
—-RapidCedi
RapidCedi offers a trustworthy loan service with transparent terms and minimal fees. With this platform, you can borrow as much as 6,000 GHS, extending the loan tenure to 180 days
—-Get Carbon
Take care of your personal finances or emergencies with a low-interest Carbon loan between GHS 100 and GHS 5000
—–GhanaLending
GhanaLending offers you a loan of up to GH¢ 3,000
Support Service Email: support@ghanalending.com
Support hotline: 0594 064 702 Whatsapp: 0594 064 701
—-FiCashX
Amount–GH₵ 10,000 – GH₵ 100,000
Loan Term—3, 6, 9 and 12 months
Annual loan interest rate (APR)—24%
Management/Platform Fee–0.01%
why it’s best
If you choose a cash loan of 10,000,000 GH₵ for 1 year with 0.01% interest Profit sharing: 24% = GH₵ 2,400,000 Term: 12 months / 12 times pay Platform Fee: 12% = GH₵ 1,200,000 Total loan principal + interest = GH₵12,400,000 Total Payment Amount: GH₵13,600,000 Total monthly installments : GH₵ 1,133,333
• Borrowers have the flexibility to prepay at any time, which may reduce the above fees
—-Kiakia
What is the loan application process?
To successfully submit a loan application, this is how you have to go about it –
- Create an account by providing all required details
- Start an application chat
- Upload work ID or government-issued ID
- Enter the desired loan amount
- Select duration/tenure
- Upload Screenshot of SMS alerts or PDF statement of your last 3 salaries or Business income
- Accept loan terms and conditions (IF APPROVED)
- Authenticate your submitted bank accounts
- Get credited
How much can I borrow from KiaKia for the first time?
KiaKia is a moneylender that provides direct personal loans at flexible rates, and also match borrowers with individual or corporate lenders at mutually-agreed rates. They offer loans from N10,000 and N200,000 for a minimum duration of 7 days and a maximum of 30 days.
—-Boseapa
Boseapa is a free finance application for mobile devices developed by Boseapa Solutions. It is a financial service platform that offers quick and easy loans to residents of Ghana in West Africa. Through it, they will be able to borrow any amount from 6,500 to 700,000 Ghanian cedi.
—-Aella Credit
How do I apply for a loan?
Download the Aella App
Create your account
Fill in all required fields with valid and appropriate information
Click the “Check Eligibility” button to see how much you are eligible to borrow
Apply for loan that works for you
Receive funds in your Aella Wallet
The loan amount range between 1,500 to 1000,000 Ghanian cedi.
Loan approval is within 15 minutes.
—Sikapurse
SikaPurse – Quick Online Loans app offers fast loans ranging from ¢2,000 GHS to ¢5,000, catering to the urgent financial needs of its users. The repayment terms for these loans are flexible and determined based on the individual’s circumstances
—-SmartCash
Smartcash loans are online short-term loans that range from GH₵100 to GH₵500
Features of a Smartcash loan
Smartcash loans have several features which distinguish them from every other loan. They include:
- There are no collateral requirements.
- There is no need for a bank account.
- You will receive the money in your mobile money wallet.
They offer interest rates as low as 0.134%. However, this usually amounts to an annual percentage rate of 49%.
—-CalBank
Contacts
23 Independence Avenue, Accra, Ghana
+233 30 268 0061
customercare@calbank.net
—FairMoney
– Instant personal loans from ₹1,000 up to ₹60,000
– Repayment periods between 90 days – 180 days
– Annual interest rates range from 12% to 36% per annum
Quick disbursal in under 5 minutes, without collateral or paperwork and delivered directly to your bank account!
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