Best Loan Apps in Ghana for Emergency Loans 2023

Last Updated on May 15, 2023

Best Loan Apps in Ghana

Loan Apps in Ghana – We all have a moment in life when we urgently need money, perhaps for personal use or for other things to come and we need funds to survive, and getting a quick loan is perhaps the fastest way.

It’s not always easy to start a business, finance an idea, or even raise money for a rush deal. Sometimes we want to find the fastest ways to get the funds we need when we need to get a loan. This article talks about the best loan apps in Ghana for emergency loans.

These apps are one of the most trusted in the country when it comes to getting quick loans, not just the loans their services and a customer representative, and even their platforms are trustworthy. Thinking about borrowing money from a friend can sometimes seem like the best option, but remember that we all live in times when things are not so easy. That is when getting quick loans comes in.

RELATED: Top 10 Best Loan Apps in Nigeria

Smartphones and websites are one of the most used things in this world if the internet, air, and electricity are included among the most used things in the whole world. That is why we can make good use of our smartphones.

Do you want to know about the best loan apps in Ghana that can save you or help you in urgent times of need to get quick loans? Read through this post from the top to end and after that, you can select one out of all of them.

Best Mobile Loan Apps in Ghana

Here’s a quick recap of the best loan apps in Ghana:

  • Paylater Loan App
  • Kiakia Loan App Ghana
  • Fairmoney Loan App
  • Fido Money Loan App
  • Skika Master Loan App
  • Barclays Loan App
  • Abba Loan App

1. Paylater Loan App

Paylater is a leading digital financial service platform that specializes in consumer lending. Headquartered in Lagos, Nigeria, Paylater is a global company with over 40 employees with operations in Ghana, South Africa, the United Kingdom, and Portugal.

Paylater Ghana operates via mobile phones and their loans are accessible through the Paylater Ghana Loan App which can be downloaded from Google playstore and you can register an account with them without any hassle.

Here is a quick guide for applying for and getting a loan through the Paylater Ghana App:

  1. download the Paylater Ghana App from playstore and register
  2. Introduce yourself by filling in your correct details. Fill out their brief application form with some basic personal information, Paylater will review your application immediately.
  3. Enter loan amount you needed and Confirm their rates before you apply.

Once approved, your money is disbursed straight into your bank account within 5 minutes.

The Paylater ghana app now known as carbon has over 1M+: download from Google playstore which you can join them and enjoy the benefits that comes from Paylater ghana app when you hit the download button here.

2. Kiakia Loan App Ghana

Kiakia loan is a subsidiary of the sterling bank of Nigeria and it is an online loan shark and financier that provides frank and straightforward personal loans for the unemployed in Ghana at a good interest rates and the idea behind the kia kia loan is for a fast, quick and effective loan access without any paperwork, guarantor and zero collateral.

All you need to do is just to visit the Kiakia Loan website and click on the “Get A Loan” option and then a user friendly chat will open for you and you can fill in and complete your entry.

From then, you will be guided through all the necessary steps for the application.

The whole loan application process takes not more than 15 minutes, but before you acquire a loan, there are some requirements needed before you can get access to the kiakia Loan:

  • √ A valid ID card
  • √ You must be 21 year’s and above
  • √ An email address√
  • A bank account (preferably a Sterling Bank account).
  • √ You must also reside in Nigeria or Ghana
  • √ Bank verification number (BVN).

There are some great features available on Kiakia loan as it doesn’t only ends at giving out Loans for unemployed, individuals can also start investing money with Kiakia loan through their Kiakia p2p app.

KiaKia p2p app is a money lending app that allows you to fund, invest and also earn interest for doing so, their interest earns between 12% – 40% Quarterly, Bi – annual and pre – annual by investing in loan and business.

3. Fairmoney Loan App

Fairmoney is one of the most trusted and best money Lending platform that I can recommend to any Nigerian and Ghanaian to borrow money from online.

They also offer Instant cash loan of Upto $1000 in minutes through the Fairmoney Loan App without any hassle.

  • √ If you have a smartphone, simply download the fairmoney loan app from google playstore
  • √ Sign up with the phone number linked with your BVN
  • √ Answer a few questions and confirm your identity to receive a loan offer,
  • √ Once you accept the loan offers, your cash will be disbursed and credited in to your account.

4. Fido Money Loan App

This loan app in Ghana has made it easy that people from can Ghana can apply and get Instant loan with no need for collateral or guarantor through Fido loan app.

Fido loan is fast, easy and convenient, licensed by the bank of ghana and trusted by satisfied customers. There loan app is only available in Ghana and can easily be downloaded through playstore.

Why Fido Money Lending App?

  • You can apply at your own convenient time
  • Recieve a loan decision in minutes
  • No hidden or extra fees, all costs are displayed in the apps
  • No collateral or guarantee and money is disbursed instantly.

With the Fido loan app, user’s can borrow upto GHS 200 for your first time loan and repay back in 10 – 30 days time, and as you increase your loan amount every time you repay then you get a chance to borrow upto GHS 1,000 with an affordable Interest rates.

5. Skika Master Loan App

Skika loan is one of the biggest money lending platforms in ghana where individuals can apply if they ever ran into in need of cash.

Skika Loan boost of 24/7 well capitalize internet first, forward thinking, safe, robust, resilient, smart and responsible direct money lender for working class, modern or medium and large business including startups.

User’s can apply and borrow through the skika loan online and Skika App.

6. Barclays Loan App

This is a Ghana based bank loan app that offers instant quick cash loan to all current account Holders with them, user’s who are interested can apply through their online banking or Barclays Loan app and get funded in less than 15 minutes.

Before you apply for Barclays loan, they will inform you about your loan rate, if they approve your application then the money will be disbursed straight to your account.

You can download their loan app from playstore and sign up with your correct details.

7. Abba Loan App

Here’s another list of money Lending Apps In Ghana which guarantee instant payday cash loan with a simple, fast and secure banking.

Abba offers different types of loans starting from business solution loans, ordinary loan account, commercial asset Finance, enterprise and surprise chain development loan which can be applied through their online website.


Disclaimer: Please make sure you read and understand the terms and conditions before applying for any of these loans.

Fake Loan Apps in Ghana

Did you know that there are a series of fake loan apps in Ghana today? You should know that being terrible does not preclude you from obtaining a loan from them; rather, the manner in which they operate is the true issue, and you should avoid them if you value your dignity and peace of mind.

The indicators of a poor loan are listed below:

  • A higher rate of interest
  • Shorter loan terms, such as (7-14 days)
  • Bad lenders will charge a different service fee and interest rate.
  • They treat their consumers as though they are garbage.
  • When you default for even a few hours, they send hateful messages to all of your contacts.
  • Even before the loan is due to expire, you can launch a fight.
  • Before approving a loan, they charge for card verification.
  • Some won’t give you a loan but will refer you to other apps and charge you a fee for their services.

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