15 Best Loan Apps in Ghana 2022/2023

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                                      Best Loan Apps in Ghana

Looking for the best loan apps in Ghana? Great! You have come to the right place. Do you need money to pay for your rent, sustain your business or pay for your school fees? Whatever your needs are, getting a loan when you need it is a great joy.

Loan accessing in Ghana banks is sometimes lengthy and tedious. So it is for this reason some companies have developed loan apps to facilitate the application process. We have compiled a list of the best loan apps in Ghana for you.

Best Loan Apps In Ghana

1. Paylater loan

Paylater loan app is number one in our list because it is one of the most commonest loan apps in Ghana. Paylater is an easy-to-use and entirely online lending platform that provides short-term loans to individuals and small businesses in Ghana.

The loan app is available in countries like Nigeria, Portugal, United Kingdom, South Africa and Ghana. It has over 40 employees. 

How does paylater loan works in Ghana?

All you need to do is to download the app for free on Google Play Store.

How can I apply for paylater loan in Ghana?

To apply for paylater loan in Ghana, follow the guidelines below

Go to Google Play Store to download and install the app.

Create your account by filling in your details correctly. You may be required to enter your personal information such as National ID card, residential address, house address and others.

After successfully registration you will be asked to enter your preferred loan amount. Check their rates or charges before confirming.

Once your application is approved, your money will be disbursed to your bank or mobile money account in 10 minutes.

2. Fido loan app

Fido is one of the best loan apps in Ghana. Fido provides fast, and easy short-term loans to its customers. The application process is easy and less stressful. You can receive up to GHS200 for your first loan.

How to Apply for Fido loan

  • Download the app on Google Play Store and fill your details. Click here to install
  • Enter the loan amount you need and confirm.
  • If approved, you will receive the money instantly into your mobile money account
  • The minimum and maximum repayment periods are 91 and 180 days respectively.

Fido loan application requirements

A valid ID (ECOWAS card, Voters card, Passport and Driver's license)

Mobile Money account registered in your name

Be a resident of Ghana, and over 18 years of age

Benefits of Fido loan 

It is fast, easy and secured

There are no application fees

You can apply anywhere and anytime

No need for guarantors

3. GhanaLending Loan app

GhanaLending loan app is one of the most common loan apps in Ghana. It has over 1000k downloads on Google Play Store with a positive review.

How to get loan on GhanaLending app

  • Go to Google Play Store to download and install the app
  • Register with your details (phone number, national id cards and residential address)
  • Choose loan amount and apply
  • When approved, the money will be disbursed to your mobile money account.

Loan terms is between 91 to 365 days. Loan ranges from GHS50 to GHS3,000

4. MetaLending app

Get your instant loans on MetaLending app. It is an instant app in Ghana which provides affordable loans to individuals and business owners in the country.

How to apply for MetaLending loan

  • Download the app on Google Play Store
  • Create your account by filling out the form
  • Choose your loan amount and apply
  • Receive your loan straight to your bank account
  • Try to repay on time to increase your loan limit

Eligibility

Applicant must be a resident of Ghana

Applicant must be 18+ years old

Applicant must also indicate his/her source of income

Why choose MetaLending?

MetaLending loans are available 24/7

You can get a loan of up to GHS5,000

MetaLending has no hidden charges

They are reliable, flexible and secured

5. SikaPurse

SikaPurse is an instant money lending app in Ghana launched in July, 2021. The app offers flexible loan products to its customers. You can get up to GH¢5,000 loan on SikaPurse. 

How to get a loan on SikaPurse

  • Download and install SikaPurse app 
  • Create your account
  • Fill out basic information and submit
  • Choose your loan amount and apply
  • When approved, you will receive your loan straight into your bank account
  • Repay your loan in time to avoid penalty

Who is Eligible to receive SikaPurse loan?

Applicant must be a resident of Ghana

She/He must be between 22 - 55 years old

Must have a valid ID

Applicant must also have a source of monthly income

Benefits of SikaPurse loans

You can borrow up to GH¢5,000

There are no hidden charges

You can choose your payment tenure

It is secure, reliable and flexible

6. 4Cedi loan app

 It is a loan app in Ghana that provides instant loans to individuals and small business owners.On 4Cedi loan, you can get a loan without collateral.

Eligibility

Applicant must be a resident of Ghana

He/She must be between 22 - 55 years of age

Must have a national identification card (Voters, ECOWAS or Passport)

How to use the service

  • Download the app on Google Play Store
  • Register by filling out your personal information
  • Ensure all your details are correct and accurate
  • Enter your loan amount and submit
  • Once the loan is approved, the money will be paid directly into your account.

7. Mpaso loan app

Mpaso loan app makes it easy for you to access loans anywhere and anytime with your smart phone. The loan is available in Ghana, Nigeria, Kenya and Tanzania. Loan amount ranges from GH¢400 - GH¢45,000.

How to get started

  • Go to Google Play Store to download and install the app
  • Create your Mpaso loan account
  • Choose your loan amount and apply
  • Once approved, your money will be paid to your account

Advantages of Mpaso Loan

  • No paperwork, collateral or office visits needed
  • No late or hidden charges
  • You can get access to bigger loans with lower interest
  • It is secure, reliable and flexible

8. Loan Supermarket app

Loan Supermarket is a a secure, reliable and quick loan app for government employees. The loan amount ranges from GH¢1,000 - GH¢5,000. Repayment period is between 6 to 72 months

Eligibility

Applicant must be a resident of Ghana with a valid ECOWAS card (Loan Supermarket accepst only ECOWAS card)

Must be a government employee

She/He must be 18 years old and above

How to apply for Loan Supermarket

  • Download the app on Google Play Store
  • Create your account and login
  • Apply by selecting your preferred financial institution on loan Supermarket
  • Once your application is approved, your money will be paid to your bank or mobile money account

Why should you choose Super Market loan app?

No hidden fees

No paperwork, loan agents and and impersonations of GoG employees

You don't need to submit a manual loan form any longer

9. LoanClub

LoanClub offers instant money lending in Ghana. The application process is easy, quick and flexible.

Eligibility

Must be a resident of Ghana

Applicant must be above 21 years of age

Must have monthly source of income

He/She must also possess Identification card

How to Apply for LoanClub

  • Go to Google Play Store to download the app
  • Register and fill your personal information 
  • Upload your documents ( National ID, Address proof)
  • Choose your loan amount and submit
  • Wait for a couple of minutes for your feedback

Other Loan Apps in Ghana 

10. Sikapa CMA Loan app
11. KiaKia loan app
12. Aella Credit Loan app
13. Branch Loan app
14. FairMoney Loan app
16. Swift Cash Loan app 

Conclusion

The above are some of the loan apps in Ghana as at the time of writing this article. There are other lending apps which we have not been able to add to the above. I suggest you visit or download each loan app to know more about their charges, application requirements and other relevant information.

If you have any question you can leave it on the comment section. We'll attend to you.

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