Top 5 No-Collateral Loan Apps in Ghana for 2024 | Get Quick Loans Today

This video will give you the 5 Best Loan Apps in Ghana Without Collateral in 2024.

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App #1 - "Starting off our list is [Fido loan app]. This app has gained popularity for its user-friendly interface and quick approval process. With [Fido loan app], you can borrow without any collateral, and the application process is simple and straightforward. Stay tuned as we explore more features and benefits." Fido Loans are provided by Fido Micro Credit (FIDO), a financial institution based in Accra. Fido Microcredit is a private money lender in Accra. They provide loans through their app, to anyone who has a valid ID and a mobile money account, with no collateral or guarantors.
For first time borrowers are eligible to receive a maximum of 200 Ghana Cedis to be paid back within 10 to 33 days. However, as a person keeps borrowing, they build their creditworthiness to receive larger sums at discounted interest rates. The interest rates start from 14% for 30 days for new customers and go as low as 8% for 30 days for returning customers.

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[Slide 3: App #2 - [Loan App Name]] Host: "Next on our list is [Oze SME loan app]. Known for its competitive interest rates and flexible repayment options, [Oze SME loan app] is a go-to choice for many Ghanaians in need of quick financial assistance. Let's delve into the app's unique features that set it apart from the rest." Oze partners with financial institutions and other fintechs to offer small business loans to users who consistently use the Oze Business App and have completed the loan application and passed the Loan Prep Process. Oze offers up to 30,000 Ghana Cedis. These short loans in Ghana are given out with as little as 3% monthly interest on the amount received. The loan can be repaid in installments over a period of 12 months.
To be eligible for the loan, an applicant has to be an active Oze Business App user for at least 30 days. After 30 days, they can apply for an Oze loan directly from their Oze Business App.

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[Slide 4: App #3 - [Loan App Name]] Host: "Coming in at number three is [MTN Quick Loan]. This app stands out for its high loan limits and transparent terms. Whether you're facing an emergency or planning a small business venture, [MTN Quick Loan] has got you covered. Stick around to discover how you can make the most of this loan app." MTN partnered with AFB Ghana, to provide customers with MTN loans, which is accessible to users who have actively transacted in their wallet beyond 90 days. Qwickloan, is an instant way to access cash at any time for any purpose and offers up to 1,000 Ghana Cedis. The loans have a 6.9% interest rate on the amount given. The “collateral” regarding this loan is frequent use of MTN Mobile Money as well as committing to repay previous loans on time in order to have access to more loans of larger sums. To access the loan, simply;
1. Dial *170#
2. Select option 5 -financial services
3. Select option 3 – loans
4. Select option 1 to register for free or option 2 to view terms and conditions

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[Slide 5: App #4 - [Loan App Name]] Host: "Our fourth pick is [Paylater or Carbon Loan]. With a reputation for quick disbursements and excellent customer service, [Paylater or Carbon Loan] has earned its spot on our list. We'll be exploring the loan amounts, interest rates, and repayment periods that make this app a top choice for borrowers." PayLater or Carbon is a platform of private money lenders in Accra, that provides the service of smart cash loans in Ghana through their app, where one receives an instant deposit of the loan after the application is submitted. Applicants just need to create an account with the app and fill in the application with their basic information, once the application is approved, it gets received in 5 minutes.
PayLater or carbon loan offers loans to the tune of 5 Ghana cedis for first-time users at a 5% monthly interest rate. The loan duration is between 15 to 30 days to repay.

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