Loans & Credit
Credit that follows your calendar
Whether you trade daily, farm seasonally or run a growing enterprise — our loans are structured around how you actually earn.
Loan Products
Pick the loan that fits
All rates are indicative starting points — your final rate depends on amount, tenor and profile, and is confirmed in writing.
Personal Loan
26%+Renovations, school fees, medical bills or a family ceremony — funds for real life.
- Amount
- Up to GHS 50,000
- Term
- 3 – 36 months
- Best for
- Salaried workers & established savers
Susu Micro Loan
28%+Quick, small advances for susu members with a steady saving record.
- Amount
- Up to GHS 5,000
- Term
- 1 – 12 months
- Best for
- Traders & artisans on daily susu
Agro Production Loan
22%+Input, land and labour finance structured around the farming calendar.
- Amount
- Up to GHS 200,000
- Term
- 3 – 24 months
- Best for
- Farmers & agribusinesses
SME Working Capital
24%+Stock-up cash for shops, distributors and service businesses.
- Amount
- Up to GHS 200,000
- Term
- 3 – 36 months
- Best for
- Registered & growing SMEs
Asset & Equipment Finance
23%+Tractors, ovens, generators, tricycles and other income-producing equipment.
- Amount
- Up to GHS 150,000
- Term
- Up to 48 months
- Best for
- Businesses buying equipment
Plan Ahead
What will it cost?
Move the sliders to estimate your monthly repayment before you apply.
Loan repayment calculator
Estimated monthly repayment
GHS 955
- Total interest
- GHS 1,464
- Total repayment
- GHS 11,464
- Indicative rate
- from 26% p.a.
Indicative only, reducing balance. Final terms are confirmed at your branch after assessment.
Requirements
What you'll need
Susu savers with a steady record can qualify for micro-loans on their passbook alone.
Valid Ghana Card
Your national ID for verification.
Banking history
Three to six months of statements or payslips (susu savers: your passbook).
Collateral or guarantors
Flexible by product — stock, equipment or community guarantors.
Completed application
Start online and finish at the branch with help from our officers.
Questions
Loan FAQs
Anything else? Our credit officers answer questions at every branch — no appointment needed.
Ready to apply?
Start online in three minutes, and a credit officer will call you within one working day.