Banking-grade lending, paid to your Mobile Money
Borrow GHS 500.00 to GHS 30,000.00 for your business or personal needs at a 3% flat monthly rate. Open a free account, apply in minutes and track everything from your dashboard.
An account is required before you can apply.
Loan snapshot
GHS 5,000.00
over 12 months at 3% flat
- Monthly repayment
- GHS 566.67
- Refundable deposit
- GHS 550.00
- Disbursement
- MTN MoMo / Telecel / ATMoney
- Decision time
- Same working day
Illustrative figures. Your offer depends on the amount and term you choose.
Built like a bank, simple like MoMo
Same-day decisions
Our credit team reviews applications quickly and you follow the status live.
Paid to your wallet
Funds land in your own Mobile Money wallet — no bank account needed.
Refundable deposit
A processing and quality-assurance deposit is held, then refunded to you.
Clear 3% flat rate
See your exact monthly repayment before you submit anything.
How it works
- 1
Open an account
Sign up with your email in under a minute.
- 2
Apply
Enter your details, amount and repayment term.
- 3
Pay the deposit
Send the refundable processing deposit for your tier.
- 4
Get paid
On approval, funds go to your Mobile Money wallet.
Refundable deposit per loan amount
Before a loan is disbursed, a refundable deposit is required for processing and quality-assurance purposes. It is returned to you once your loan is disbursed. Card payment through Paystack is coming soon.
About QuickLoan Ghana
Lending built for everyday Ghanaians
QuickLoan Ghana helps traders, workers and small business owners access short-term credit without visiting a branch. Everything happens from your phone — from opening your free account to receiving funds in your Mobile Money wallet.
We keep our pricing simple: one clear 3% flat monthly rate, a refundable deposit that comes back to you, and no hidden charges. Your application is reviewed by our credit team and you can follow every step from your dashboard.
GHS 30k
Maximum loan
3%
Flat monthly rate
Same day
Decision time
Why borrowers choose us
- No bank account needed — we pay straight to MTN MoMo, Telecel Cash or ATMoney.
- Your deposit is refundable. It is held for processing and returned when your loan is disbursed.
- Verify your identity once with your Ghana Card, driver's licence or passport.
- Track every application, deposit and status update from your personal dashboard.
- Our support assistant Ama is available on every page to answer your questions.
What our customers say
Feedback from borrowers who use QuickLoan Ghana.
“The application took me less than ten minutes and I could see the status change on my dashboard the same day.”
Customer in Accra
Small business owner
“I liked that I saw my exact monthly repayment before I submitted anything. No surprises later.”
Customer in Kumasi
Trader
“The money came straight to my MoMo wallet and my deposit was refunded as promised.”
Customer in Takoradi
Personal loan customer
Frequently asked questions
How much can I borrow?+
You can borrow between GHS 500.00 and GHS 30,000.00, depending on your needs and the repayment term you choose (1 to 36 months).
What is the interest rate?+
We charge a simple 3% flat monthly rate on the loan amount. Your exact monthly repayment is shown before you submit, so you always know what you will pay.
Why do I pay a deposit, and is it refundable?+
Yes, it is fully refundable. The deposit covers processing and quality-assurance checks on your application and is returned to you once your loan is disbursed. The amount depends on your loan tier — see the deposit table above.
How do I receive the money?+
Approved loans are disbursed directly to your Mobile Money wallet. We support MTN MoMo, Telecel Cash and ATMoney — no bank account is required.
What documents do I need?+
You need one valid ID: a Ghana Card, driver's licence or passport. You upload a photo of the front and back of the ID, plus a selfie, during the application.
How long does approval take?+
Our credit team aims to review applications on the same working day. You can follow the status of your application live from your dashboard, and you will get alerts as it changes.
Can I repay early?+
Yes. You can settle your outstanding balance at any time from your dashboard. Paying early reduces the total interest you pay.
Is my personal information safe?+
Yes. Your ID documents are stored securely, access to your account is protected by your password, and we never share your details without your consent.