Best 12 Mobile Loan Apps In Ghana – Get UpTo Ghc 2000 instant loan with them.

best 12 mobile loan apps in ghana get upto ghc 2000 instant loan with them.

Introduction

best 12 mobile loan apps in ghana get upto ghc 2000 instant loan with them.
best 12 mobile loan apps in ghana get upto ghc 2000 instant loan with them.

There are a number of mobile loan apps in Ghana that allow you to borrow money quickly and easily.

These apps can be a great solution if you need money for an emergency or if you want to consolidate your debt.

However it’s important to research the different mobile loan apps before you choose one.

Make sure the app has a good reputation and that it offers competitive interest rates.

In this article, we’ve listed the best 12 Mobile Loan Apps In Ghana currently – and we have also provided well written articles on how to use these apps to get an instant loan.

Without wasting much of your time, let’s get down to business!

The Briefing

Best mobile loan In Ghana Currently Are:-

  • SikaPurse Loan
  • WohiaSika Loan
  • Fido Loan
  • LendingPapa Loan
  • BloomKash Loan
  • GhanaLending Loan
  • MetaLending Loan
  • Adamfopa Mobile Loan
  • Boseafie Mobile Loan
  • MobiLoan
  • 4cedi Mobile Loan
  • MTN Qwik Loan And Xpress Loan

Read more about the aforementioned mobile loan apps and how to get an instant loan from them below.

SikaPurse Loan

sikapurse instant mobile loan app in ghana 1024x576 1
sikapurse instant mobile loan app in ghana 1024×576 1

Number one mobile loan app on our list is SikaPurse.

What is SikaPurse Loan?

I heard you ask, What is SikaPurse? – Well, SikaPurse is an Instant Mobile Loan App in Ghana that offers flexible Loan Products. 

i.e. Online Loans in Ghana, Super Loan and Better Loans.

Who Is Eligible For SikaPurse Loan?

The Eligibility of the SikaPurse Loan Application are:

  • The Applicant Must be a Ghana Resident
  • The Applicant Must be at the age of 22-55 years old
  • The Applicant Must State His/Her Monthly Income Source.

SikaPurse Loan Pros and Cons

Pros

  • They Have No Hidden Charges
  • You can get a loan of up to Gh¢ 5,000
  • They Are Available 24/7
  • They Are Secure, Reliable and Flexible
  • They Provide Credit Decision.

Cons

  • Sikapurse pays loans through the bank only, Payment via Mobile Money wallet isn’t available yet.
  • Term days for SikaPurse is only 7 Days, thus you’ve got only 7 days to repay your loan.
  • Sometimes, approval of loans could take up to 3days.

How to Apply For SikaPurse Loan?

To apply for SikaPurse Loan, Visit Our Step By Step Guide on how to Successfully apply for SikaPurse Loan > CLICK HERE TO READ MORE ABOUT SIKAPURSE LOAN AND APPLY

WohiaSika Loan

wohiasika mobile loan app 1
wohiasika mobile loan app 1

The second mobile loan app on our list is WohiaSika.

WohiaSika, the Mobile loan App which appears to be having the most Positive Reviews Under its app On Google Play Store.

What is WohiaSika?

WohiaSika is an emerging Fintech Platform or Mobile Loan App in Ghana that gives instant from Gh¢ 100 to Gh¢ 5,000. The App is Offered by WohiaSika Ghana, Located at No. 154 Fanofa Street Kokomlemle, Accra – Ghana.

WohiaSika provides loan services based on users’ credit value.

Who is Eligible for WohiaSika Loan?

To be eligible for WohiaSika Loan, You must be:

  • 18 – 60 Years Old
  • Ghana Resident
  • Good Credit Score

WohiaSika Pros and Cons

Pros

  • WohiaSika Loan approval is quite swift. – thus, loan is approved in a few minutes.
  • You can get a loan of up to Gh¢ 5,000
  • WohiaSika pays loans via Mobile Money Wallet.
  • WohiaSika has the highest Positive Reviews so far on the Google play store.

Cons

  • Term days for WohiaSika is only 8 Days, thus you’ve got only 8 days to repay your loan.
  • WohiaSika has very bad customer service, my encounter with them wasn’t that pleasant. (I asked a question someone asked under the article I wrote about WohiaSika Loan that “Why is your term days only 8 days” and the lady got pissed off – However, she explained by saying, “We don’t trust you people and that this loan is for only emergencies so if you know you can’t pay within the given 8days, don’t take it” she said.)

How to Apply For WohiaSika Loan?

To apply for WohiaSika Loan, Visit Our Step By Step Guide on how to Successfully Apply for WohiaSika Loan > CLICK HERE TO READ MORE ABOUT WohiaSika LOAN AND APPLY

Fido Mobile Loan

how to apply for fido mobile loan and how to repay fido loan 750x430 1
how to apply for fido mobile loan and how to repay fido loan 750×430 1

The third mobile loan app in Ghana is Fido, the most talked-about lending app in Ghana Now.

What Is Fido Mobile Loan?

Fido Micro Credit/Fido Mobile Loan is a Licensed Financial Institution in Ghana that seeks to provide fast and easy short-term loans.

Fido Gives a Minimum of Gh¢ 200 and a Maximum of Gh¢ 1,000 Loans to New Loanees and Loyal Borrowers Respectively.

Who is Eligible for Fido Mobile Loan?

  • To qualify for a FIDO Loan, you need a valid ID and Mobile Money or Bank Account.
  • ID Type: Driver’s License, NHIA Membership, Voter ID, National ID or Passport
  • Mobile Money account: MTN Mobile Money or AirtelTigo Money registered in your name for at least two months.
  • You must be a resident in Ghana over 18 years of age.

Fido Loan Pros and Cons

Pros

  • Fido loan is approved instantly.
  • Fido pays loans via Mobile Money Wallet.
  • You have 30/33 days to repay your loan
  • They Are Available 24/7

Cons

  • N/A

How to Apply For Fido Mobile Loan?

To apply for Fido Loan, Visit Our Step By Step Guide on how to Successfully apply for Fido Loan > CLICK HERE TO READ MORE ABOUT Fido LOAN AND APPLY

LendingPapa

photogrid plus 1634563865956 750x430 1
photogrid plus 1634563865956 750×430 1

LendingPapa took the fourth spot on our list of top 5 lending apps in Ghana.

What Is LendingPapa Loan?

LendingPapa is a Mobile Loan App that gives loans to Ghanaian Users. – It loans a minimum of 100 and 5,000 for Loyal Loanees.

Who is Eligible For LendingPapa Loan?

To be eligible for LendingPapa loan, the applicant must be:

  • Ghana Resident
  • 20 to 55 years of Age.

LendingPapa Loan Pros and Cons

Pros

  • Lending Papa pays loans via Mobile Money Wallet.
  • LendingPapa term days is 14 days, it’s quite better than that of SikaPurse’s 7 days term days.

Cons

  • Approval of loans could take up to 3days, sometimes.

How to Apply For LendingPapa Mobile Loan?

To apply for LendingPapa Loan, Visit Our Step By Step Guide on how to Successfully Apply for LendingPapa Loan > CLICK HERE TO READ MORE ABOUT LendingPapa LOAN AND APPLY

Bloomkash

bloomkash loan get an instant loan of ghc 1000 via mobile money – heres how to 750x430 1
bloomkash loan get an instant loan of ghc 1000 via mobile money – heres how to 750×430 1

On this list of Best mobile loan apps in Ghana, BloomKash is the fifth mobile loan app in Ghana.

What is Bloomkash Mobile Loan?

Bloomkash Mobile Loan is an instant personal loan platform for Ghana Mobile Users; once you have a smartphone, Bloomkash is there to fulfill your financial needs 24/7 Completely Online.

All you have to do is to download their app onto your smartphone, preferably an Android Phone, to enjoy this Swift loan Bloomkash Provides.

Every Borrower have the chance of getting a Gh¢1,000 loan from Bloomkash.

Who is Eligible for BloomKash Mobile Loan?

To be eligible for a Bloomkash loan, you must be a Ghana resident at the age of 20 to 55 years old with a source of monthly income.

BloomKash Mobile Loan Pros and Cons

Pros

  • Loan is Disbursed via Mobile Money Wallet
  • 30 Days Term days

Cons

  • Very Bad Mobile App (Their app isn’t reliable – it most of the times show error “Network error, please try again”.
  • Customer Care is very wack.
  • Has a bunch of negative reviews under their app on Google PlayStore.

How to Apply For BloomKash Loan?

To apply for BloomKash Loan, Visit Our Step By Step Guide on how to Successfully apply for BloomKash Loan > CLICK HERE TO READ MORE ABOUT BloomKash LOAN AND APPLY

GhanaLending Mobile Loan

ghanalending get an instant ghc3000 loan with this app in three simple steps 1024x576 1
ghanalending get an instant ghc3000 loan with this app in three simple steps 1024×576 1

Ghanalending is a new mobile loan app in Ghana and has managed to best among the best performing mobile loan app.

GhanaLending Mobile loan took the sixth position on our top 12 Mobile Loan Apps In Ghana.

What Is GhanaLending?

GhanaLending is a mobile loan app that provides instant loans for Ghanaian residents above 18 years of age! The Ghanalending app was released on 14 October 2021 and it’s already making a good name for itself due to its unique interface and ease of use.

Who is eligible for GhanaLending Loan?

To be eligible for a GhanaLending loan, you must be 18 years old or above and a Citizen of Ghana.

GhanaLending Loan Pros and Cons

Pros

  • It app has a Very interface and it’s quite easy to use
  • Solid 90 days payment tenure which is unmatched and you can repay your loan in installment.

Cons

  • Sometimes, the apps crashes.
  • Amount given is small

How To Apply For GhanaLending Loan?

To apply for GhanaLending – Visit Our Step By Step Guide on how to Successfully apply for GhanaLending Loan > CLICK HERE TO READ MORE ABOUT GhanaLending LOAN AND APPLY

MetaLending Mobile Loan

metalending 1024x576 1
metalending 1024×576 1

MetaLending is also a newly released mobile loan app in Ghana doing very well for itself.

On our list of top 12 Mobile Loan Apps In Ghana, it took the seventh spot.

What Is MetaLending Mobile Loan?

Metalending is a leading instant loan app in Ghana Which was launched on the 5th of November, 2021.

As of the time of writing this article, MetaLending top Charts of mobile lending app in Ghana on Google Play Store, with the likes of SikapurseFido loan and GhanaLending behind it.

Who Is Eligible For MetaLending Loan?

The Eligibility of the MetaLending Loan Application are:

  1. The Applicant Must be a Ghana Resident
  2. The Applicant Must be at the age of 18+ years old.
  3. The Applicant Must State His/Her Monthly Income Source.

Pros

  • Fast Loan Approval
  • Better App Interface and smooth app experience.
  • Swift Customer Service
  • They Are Available 24/7
  • They Are Secure, Reliable and Flexible
  • They Provide Credit Decision

Cons

  • 10 Day term tenure, although is better than sikapure’s 8 days and WohiaSika’s 7days tenure but I think they can extend it.

How To Apply For MetaLending Loan?

To apply for MetaLending – Visit Our Step by Step Guide on How to apply for MetaLending Loan > CLICK HERE TO READ MORE ABOUT MetaLending LOAN AND APPLY

Adamfopa Mobile Loan

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banner copy

Adamfopa Mobile loan app is the eighth mobile loan app in Ghana. It is pretty easy to use and reliable.

What Is Adamfopa?

I heard you ask, What is Adamfopa?  – Well, AdamfoPa offers quick loans for Ghanaian residents with good credit. AdamfoPa makes it effective for you to access credit anytime, anywhere.
If you have good credit, AdamfoPa can help you solve your financial problems by providing loan services.

Who Is Eligible For Adamfopa Loan?

The Eligibility of the Adamfopa Loan Application are:

  • The Applicant Must be a Ghana Resident
  • The Applicant Must be at the age of 20-55 years old
  • The Applicant Must State His/Her Monthly Income Source.

Read More about Adamfopa Mobile loan app and how to apply

Boseafie Mobile Loan

boseafie how to apply a loan with this app 1024x536 1
boseafie how to apply a loan with this app 1024×536 1

Boseafie is another great mobile loan app making waves in Ghana. I love how easy it is and the user interface.

This took the nineth position on the list of top 12 Mobile Loan Apps In Ghana.

What is Boseafie Mobile Loan?

Boseafie provides you with fast loan services through your credit evaluation. If you have good credit, BoseaFie can help you solve your financial problems by providing loan services.

What Do you need to apply for Boseafie Loan?

  • A valid ID (Ghana Card, or Voter ID or Passport or Driver’s License;)
  • No significant criminal record and strong credit
  • Mobile Money account holder: MTN Mobile Money or Vodafone Cash or AirtelTigo Money registered in your name.
  • Be a resident of Ghana, over 18 years of age and not above 60 years old.

Read More About Boseafie Mobile Loan and How to get a loan with them

MobiLoan

mobiloan get an instant loan up to ghc 5000 with this app scaled 1
mobiloan get an instant loan up to ghc 5000 with this app scaled 1

Mobiloan is relatively new in the Mobile Loan market, yet, it has managed to accrued some loyal customers for itself.

It has a very nice user interface, and it approves loans almost instantly.

Mobiloan can be considered as the Tenth best mobile loan app in Ghana.

What is MobiLoan?

MobiLoan is a fintech platform that provides instant personal online loans to eligible Ghanaian customers.

MobiLoan aim to provide customers with high-quality loan products with reasonable interest rates and generous amounts.

Allow households to enjoy convenient and fast loan services without leaving their homes.

Who Is Eligible For MobiLoan Loan?

The Eligibility of the MobiLoan Application are:

√ Legal citizen of Ghana
√ 22 years of age or older
√ Have a stable monthly income
√ No record of breach of credit and breach of contract

Read More about Mobiloan app and how to apply for the loan

4Cedi Mobile Loan

how to apply for 4cedi loan 1024x614 1
how to apply for 4cedi loan 1024×614 1

4cedi’s mobile loan is the eleventh mobile loan app in Ghana.

It approves loans instantly and disbursed the money into your bank account.

What is 4cedi Loan?

4Cedi is an instant mobile loan app, which gives instant access to loans without the need of collateral.

You need to fill your correct personal information and a loan offer will be ava to you in a jiffy.

Who Is Eligible For 4Cedi Mobile Loan?

The Eligibility of the 4cedi Loan Application are:

  1. The applicant must be a Citizen of Ghana
  2. The applicant must be at the Ages of 22 to 55
  3. The applicant must Fill in the correct personal information about themselves.

Read More About 4cedi Mobile Loan and How to get a loan with them.

MTN Qwik Loan And MTN Xpress Loan

MTN Qwik Loan And MTN Xpress Loan took the twelveth spot on our best 12 mobile loan apps in Ghana.

What Is MTN Qwik Loan?

Qwik Loan is an innovative financial solution by afb Ghana and MTN MoMo that provides quick and convenient loan to subscribers of MTN MoMo.

It’s a short term, unsecured, cash loan paid into your MTN Mobile Money wallet. The loan is simple and accessible, with no previous savings required. If you pay your loan on time, every time, then you will continue to have access to a loan whenever you need it.

What are the Requirements of MTN Qwik Loan?

• The applicant must be 18 years and above.
• You must own an MTN Ghana sim card
• There is a need to be an MTN service user for at least 90 days.
• Also, you must be an active user of MTN Mobile Money services.
• Prospective applicants must have an active e-wallet.
• If you are a constant user of MTN QwikLoan services, you must have a good credit score and history.

How to apply For MTN Qwik Loan

To apply for MTN Qwik Loan, – Kindly Follow the Steps below:-

Dial *170#
Select option 5 -financial services
Select option 3 – loans
Select option 1 to register for free or option 2 to view terms and conditions
Click on Terms and Conditions for more details.

MTN Xpress Loan

What is MTN Xpress Loan?

Xpress Loan Is a new lending service lunched by MTN Ghana, which is quite quick and Affordable compared to the Qwik Loan.

MTN Xpress loan can help you meet your financial needs within 1-5 minutes upon requesting.

The Minimum amount Xpress Loan gives is Ghc50 with the Maximum being Ghc1,000 – The initial amount a customer gets solely depends on how they uses the MTN momo and Their credit score.

What are MTN Xpress Loan Requirements?

  1. Applicant must be 18 years and above.
  2. Applicant must be an active MTN Ghana subscriber for not less than 90 days.
  3. You must be registered on the MTN Mobile Money Service and actively use the Wallet for transactions.
  4. If already owe a loan, you need to repay in order to qualify for another loan.
  5. You may not qualify to apply for Xpress loan if your MTN Mobile Money wallet activity is too low.

How to apply For MTN Xpress Loan?

To apply for MTN Xpress Loan, Please follow the guide below to get your Loan in few minutes.

  1. Dial *170#
  2. Select Option 5 for Financial Services
  3. Select 3 for Loans to choose your preferences
  4. Select Option 2 for XpressLoan
  5. Select Option 1 to get a Loan
  6. Enter Your Pin to Confirm
  7. Select Option 1 to view Offers
  8. Enter your preferred amount between 50GH to 1000
  9. An SMS will be sent to indicating you that the loan has been credited to your MTN Mobile money Account

How To Repay MTN Xpress Loan?

To repay Your Outstanding MTN Xpress Loan? Please dial *170# and follow the steps below:-

  1. Select Option 5 for Financial Services
  2. Select 3 for Loans to choose your preferences
  3. Select Option 2 for XpressLoan
  4. Select Option 2 to repay your loan
  5. Enter Your Pin to Confirm
  6. After entering your MOMO Pin, the loan amount would automatically be deducted from one’s account by MTN on a monthly basis plus interest.
  7. You shall receive an SMS to notify you that the loan has been deducted from Mobile money wallet.

Conclusion

Loans can help sort out an emergency, but acquiring a bank loan comes with a massive cost of processing fees and collateral and several ups and downs. Which usually makes it difficult to get a loan to deal with urgent situations.

However, these mobile loan apps have broken that barrier by introducing their respective lending platform to help people get a seemingly instant loan from Gh¢ 100 to Gh¢ 5,000 to tackle difficult times in their lives.

Since we looked at the best 12 mobile loan apps in Ghana, I hope this article was helpful? If so, kindly share with friends and family through your social media handles.

Your thought are humbly welcome – let’s hear from you through the comments section below.

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