Our Products

Personal Loan Solutions

Choose from our range of flexible personal loan products designed to meet the diverse needs of Ghanaians, with competitive rates benchmarked against the Ghana Reference Rate of 14.58% (February 2026).

Micro Loan — quick small amounts and mobile money
Micro Loan

Quick access to small amounts for everyday needs

₵200 - ₵2,000
  • Loan tenure: 7-30 days
  • Interest rate from 6%
  • MoMo disbursement
  • No collateral required
Apply Now
Personal Loan — medium-term financing planning
Personal Loan

Our flagship product for medium-term financing needs

₵2,000 - ₵20,000
  • Loan tenure: 1-12 months
  • Interest rate from 4% monthly
  • Bank transfer or MoMo
  • Flexible repayment options
Apply Now
Business Loan — entrepreneurs and small retail
Business Loan

For entrepreneurs and small business owners

₵5,000 - ₵50,000
  • Loan tenure: 3-24 months
  • Interest rate from 3.5% monthly
  • Bank transfer disbursement
  • Dedicated relationship manager
Apply Now

How It Works

1
Apply Online

Fill in our digital application form with your personal details, Ghana Card number, and loan amount requested.

2
Verify Identity

We verify your identity using your Ghana Card and assess your creditworthiness through our proprietary scoring model.

3
Get Approved

Receive an instant loan decision. If approved, review and accept the loan terms digitally.

4
Receive Funds

Funds are disbursed to your mobile money wallet or bank account within minutes of acceptance.

Current Interest Rates

Our rates are transparent and competitive, reflecting the Bank of Ghana's current policy environment.

Benchmark Rate Period
Bank of Ghana Policy Rate 15.50% January 2026
Ghana Reference Rate (GRR) 14.58% February 2026
Average Commercial Lending Rate 19.70% February 2026
OSASCO Personal Loan (from) 4% monthly Current

Source: Bank of Ghana Monetary Policy Announcement, January 2026; Bank of Ghana Summary of Economic and Financial Data, March 2026.

Eligibility Criteria

Ghanaian Citizen or Resident

Must hold a valid Ghana Card and be at least 18 years of age.

Active Mobile Money Account

Registered MTN MoMo, Telecel Cash, or AirtelTigo Money account with at least 3 months of transaction history.

Active Phone Number

A Ghana-registered mobile number linked to your mobile money account and Ghana Card.