What you need
Application Requirements
Before approval, every application undergoes a thorough assessment of the applicant's income source and earning capacity to ensure responsible lending.
1. Identification
Valid National ID (Ghana Card). Voter's ID or Service ID card also accepted as supporting ID.
2. Income Proof
Recent 3-month bank or mobile money statement, payslip, or verifiable business record.
3. Guarantor
One reliable guarantor for flexible terms. Two credible guarantors for larger facilities.
Income Verification
Requirements by applicant type
Government Workers
Current payslip showing monthly earnings.
- Ghana Card
- Voter's ID
- Service ID Card
- Two Passport Photos
- Current Payslip
- Two Credible Guarantors
- Cover Letter from Your Unit
Traders, Entrepreneurs & Self-Employed
Verifiable income statement or business record.
- Ghana Card
- Voter's ID
- Two Passport Photos
- 3-Month Bank / MoMo Statement
- Business Records
- Credible Guarantor(s)
Begin your journey with confidence
Once all required documents are submitted and verified, your loan application will be processed promptly and professionally.
FAQ
Frequently asked questions
Can't find what you're looking for? Our friendly team is happy to help.
How much can I borrow?
Payday loans range from GH₵ 500 to GH₵ 2,000, flexible loans from GH₵ 2,000 to GH₵ 50,000, and business / salary loans go up to GH₵ 200,000. The final amount is tailored to your income and earning capacity.
What is the interest rate?
Our standard rate is 20%. For payday loans, you simply repay the amount plus 20% within one month — for example, borrow GH₵ 1,000 and repay GH₵ 1,200. Flexible loans have fixed monthly payments shown on our Loan Plans page.
What documents do I need?
A valid Ghana Card (or Voter's ID / Service ID), proof of income (a current payslip, or a 3-month bank or mobile money statement / business records), passport photos, and a credible guarantor. See the Requirements page for the full list.
I am a trader / self-employed. Can I apply?
Yes. Traders, entrepreneurs and self-employed people are welcome. Provide a verifiable income statement, business records, or a recent 3-month bank or mobile money statement.
Do I need a guarantor?
Yes. One reliable guarantor is required for flexible loans, and two credible guarantors for larger business and salary loans.
How fast is approval?
Once all your required documents are submitted and verified, your application is processed promptly. You can check progress anytime on the Track Application page using your reference number.
How do I repay?
Cash payment at our office – Savannah Junction, Community 25, Tema · Mobile Money – number provided in your loan agreement · Bank transfer – account details provided in your loan agreement. Always quote your loan reference when paying.
What happens if I pay late?
Late payments attract a fixed penalty fee. If you expect difficulty paying, please contact us early so we can discuss your options.