A loan is when you give money, property, and other material to another for future repayment with interest. Loans come in many forms. Lenders offer two types of consumer loans secured and unsecured that are based on the amount of risk both parties are willing to take. Secured loans mean the borrower has put up collateral to back the promise that the loan will be repaid.

In this article, we will look at apps that can help us with loans instantly when we need urgent financial assistance. These apps are there to support us redeem ourselves from pity financial crises. All you need is a mobile phone with good internet connectivity to enable you to download the app from the App Store or Play store and also access their service easily. 

Requirements To Apply For Loan on some of the Apps 

There are certain requirements/documents that you need to provide before any of these Ghanaian loan apps will process and approve your loan, such as

1. A Valid ID card for verification ( National ID or Passport )

2. You must live and work here in Ghana

3. A Bank Account

4. You must be above the age of 18 years old

5. 3 – 6 months payslips or bank statement of your account etc.

These are the major requirements needed from any loan apps in Ghana although some requirements differ from some loan apps When applying for their loans. Not all apps take your bank details and payslip except the amount of the loan is huge.


 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 of over 40 employees with operations in Ghana, South Africa, United Kingdom and Portugal.

The Paylater Ghana operates via mobile phones and their loans are accessible through the App called paylater loans


Step 1: download the Paylater Ghana App from playstore and register

2. Enter your information by filling in your correct details. Fill out the brief application form with some basic personal information, your application will be reviewed 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 is now known as carbon 

 Kiakia Loan App Ghana

Kiakia loan is a subsidiary to the sterling bank of Nigeria and it is an online loan shark and financier that provides frank and straight forward personal loans for 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.

 visit Kiakia Loan website and click on the “Get A Loan” option and enter your details as required

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


√ 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.

 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.

 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.

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.

 Sika Master Loan App

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

Sika 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 sika loan online and Sika App.

 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.

You will be informed about your loan rate, if they approve your application then the money will be disbursed straight to your account.

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.

Just fill in your correct details both email address, name and number then submit.

Lending Papa








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