Accessing quick loans in Ghana has never been easier. In 2026, fintech innovation has transformed digital lending, allowing individuals and businesses to get instant loans without collateral. Instead of physical assets, most loan apps now rely on digital collateral such as your mobile money transaction history, smartphone data, and Ghana Card verification.
This SEO-optimized guide highlights the best quick loan apps in Ghana without collateral, including loan limits, interest rates, repayment periods, and customer support details—helping you make an informed decision.
Why Use Loan Apps in Ghana Without Collateral?
- No physical collateral required
- Fast approval and instant disbursement
- Simple mobile application process
- Flexible repayment plans
- Ideal for emergencies, salary gaps, and small businesses
Top Bank of Ghana Licensed Loan Apps in Ghana (Highly Recommended)
These platforms are regulated and offer transparent loan terms, making them the safest options.
1. Fido Loan App (Formerly Fido Money)
Fido is one of the most trusted digital loan apps in Ghana. It uses a proprietary Fido Score to assess creditworthiness.
Key Features:
- Loan Amount: GHS 50 – GHS 6,800 (Personal), up to GHS 8,500 (Business)
- Interest Rate: ~0.299% daily (APR up to 70%)
- Repayment Period: 90 – 180 days
- Application Method: Mobile app or USSD *998#
- Requirements: Ghana Card, mobile money history
- Customer Care: +233 0596922420 | info@fido.money
- Download: Available on Google Play Store
Best for: First-time borrowers and users looking to build digital credit.
2. Onua Loan App
Onua Loan is gaining popularity in 2026 for offering high loan limits and low interest rates to responsible borrowers.
Key Features:
- Loan Amount: GHS 1,000 – GHS 20,000
- Interest Rate: 0.07% daily (APR up to 24%)
- Repayment Period: 91 – 360 days
- Application Method: Mobile app registration with ID verification
- Customer Care: +233 500932827 | support@pkmigdol.com
Best for: Borrowers seeking larger loans with longer repayment periods.
Best Instant Cash Loan Apps in Ghana (Fast Approval)
These apps prioritize speed, often disbursing funds within minutes.
| Loan App | Loan Amount (GHS) | Interest Rate | Repayment Period | Support |
|---|---|---|---|---|
| Swift Lend | 1,000 – 80,000 | ~18% APR | 91 – 360 days | mailinfo@motondimic.com |
| Glow Credit | 200 – 8,000 | 18% – 30% APR | 91 – 180 days | support@glowcreditgh.com |
| AyaLend | 200 – 6,000 | ~26% APR | 91 – 365 days | +233 553408479 |
| Zatu Loan | 600 – 5,000 | 13% – 30% APR | 100 – 300 days | +233 0500490858 |
| SikaTap | Profile-based | Competitive | Flexible | +233 0256123033 |
| Super Cash | 10,000 – 50,000 | 0.06% daily | 91 – 180 days | support@irvandiansyah.com |
| Loan Base | 100 – 6,000 | Up to 30% yearly | 90 – 365 days | +233 559132699 |
Best for: Emergency cash, short-term needs, and quick approvals.
Specialized Loan Apps in Ghana (Salary & Business Loans)
CedisPay – Salary-Based Loans in Ghana
CedisPay focuses on structured loans for salaried workers.
Requirements:
- At least 3 months employment
- Last 3 months payslips
- Valid Ghana Card
- Guarantor may be required (low credit score)
Application: Via app or website
Support: Visit cedispay.com.gh
Best for: Government and private-sector employees.
Pezesha – Business Loans for MSMEs
Pezesha provides funding for small businesses, traders, and MSMEs, focusing on growth rather than personal consumption.
- Loan Type: Business capital financing
- Target Users: Entrepreneurs and traders
- Contact: hello@pezesha.com
Best for: SMEs seeking working capital without traditional bank loans.
How to Choose the Best Loan App in Ghana
Before applying, consider:
- Total interest and hidden fees
- Repayment flexibility
- Licensing and regulation status
- Customer support availability
- Impact on your digital credit score
Final Thoughts
The rise of fintech has made quick loans in Ghana without collateral more accessible than ever in 2026. Whether you need instant cash, a salary advance, or business capital, these loan apps provide reliable and fast financial solutions.
Always borrow responsibly, repay on time, and choose licensed platforms to protect your financial future.
Bookmark this guide and share it with anyone looking for the best loan apps in Ghana 2026.