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HomeTech In GhanaThe Top Money Lending Apps In Ghana

The Top Money Lending Apps In Ghana

Are you looking for online loans in ghana without collateral? or instant mobile money loans in Ghana?
This article is packed with everything you need to know when it comes to the best money-lending apps in Ghana.

We all need some financial assistance once in a while (my needs are provided by God so I am exempted. Hahhaha) the advancement of technology seems to have made the act of lending more accessible and easier now.

Lending is a business through which some companies make their money. They give loans to people who require them.

In case you need financial assistance and you need to get it from the best lending services available in the country, then there is no need for you to keep looking.

In this article, we have compiled some of the best and most reliable lending apps operating in Ghana for you.   

Maybe you have fallen behind on the rent and the landlord has threatened to kick you out, the only way to stay put is to get the money to pay. Read along for the best lending apps in Ghana.

Carbon (formerly known as Paylater)

This is one of the best lending apps in Ghana at the moment. It is very easy to get a loan from them through the great features that come with the app.

Aside from granting loans to its customers, the app also allows them to invest their money and receive yields of over 15% interest.

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So if you are looking to get some loans in Ghana, then you check out Carbon.

Quickcheck Loan App

This is another best lending app that is operating in Ghana at the moment. This app is also a credit system that has been designed for small businesses operating in the country and individuals.

Clients can access instant loans without having to provide any collateral for a period of 15 to 30 days.

The loans have an interest rate of 1% for the period that you will be holding the loan and you can hold a loan for a maximum of 30 days or 1 month. We hope you can do the calculations yourself.

Aella Credit Loan App

The lending app was initially introduced to cater to the employees of companies to enable them to access loans at affordable rates at any time.

However, they have gradually grown to become one of the best loan lending apps in the country.

People can now access loans from the app in case they have an emergency that needs to be taken care of immediately.

Branch Loans

This is a loan lending app that works 24/7. You can apply for loans at any time and the loans do not need collateral to be accessed.

Branch is one of the fastest places where you can get a loan without much hassle as the loan application can be completed in mere seconds.

The loan amount will then be received into your account. If you need a fast, convenient and reliable loan lending app, then you should give Branch Loan a try.

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FairMoney Loan App

FairMoney is also one of the fastest loan-processing apps in the country. They give quick loans for personal finance, healthcare, car repairs, and rental payments.

You can also take loans for purchasing consumer goods. FairMoney gives instant loans just like any of the other loan apps that we discussed earlier.

You do not need collateral to get a loan from them. However, your ability to get a loan will depend on how worthy your credit score is.

You can apply for and receive a loan in less than 5 minutes.

Small business owners can also apply for a loan from FairMoney to start their businesses or to grow existing ones.

Palmcredit Loan App

This is one of the most popular lending apps in Ghana where you can access loans without the use of any collateral.

They have revolutionized the lending industry in Ghana by using credit limits where loan applicants can apply in minutes.

You can then later take loans without collateral as you grow your credit limit. Your credit score is updated depending on how fast you repay a loan.

Kiakia Loan App

This is one of the newest loan lending apps in the country. They operate a simple online lending platform by providing short-term loans to people in Ghana to help them cover emergencies.

You can apply for a loan all days of the week and the loan comes with your status in minutes.

Fido Loans

This is one of the most popular loan lending apps in Ghana and it is an easy way to connect for loan applications.

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You can get a loan of up to GHS 600 within a few minutes after applying. You do not need to provide collateral or guarantors for the loan.


With these apps, you can secure a loan in less than an hour. All these apps are available to download from your play store or AppStore. 

For more loan articles, you can read how to borrow money from Vodafone cash, collateral-free mobile money loans in Ghana.

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