In Ghana, access to fast, reliable, and collateral-free loans has become essential for individuals and small business owners. Bills Credit Loans Ghana, formerly known as Quick Credit, has emerged as one of the most trusted and convenient online lenders in the country. The company is legitimately registered and approved by the Bank of Ghana (BoG), ensuring customers enjoy a safe and transparent borrowing experience.
🏦 What is Bills Credit Loans Ghana?
Bills Credit (formerly Quick Credit) is a reputable financial institution offering instant online and USSD-based loans to Ghanaians without requiring any collateral. With a mission to promote financial inclusion, Bills Credit provides loans ranging from ₵1,000 up to ₵150,000 at affordable interest rates and with flexible repayment terms of up to 12 months.
Whether you’re a salaried worker, entrepreneur, or small business owner, Bills Credit gives you access to funds quickly to cater for emergencies, business expansion, or personal needs.
💰 Key Features of Bills Credit Loans
| Feature | Details |
|---|---|
| Loan Amount | ₵1,000 – ₵150,000 |
| Interest Rate | Competitive & low interest rates |
| Repayment Period | Up to 12 months |
| Collateral Requirement | No collateral needed |
| Approval Time | Instant approval after verification |
| Loan Access | Via USSD or phone call |
| Registration Status | Approved by Bank of Ghana |
| Customer Support | +233 302 200 390 / +233 596 920 833 |
📱 How to Apply for Bills Credit Loans in Ghana
Applying for a Bills Credit loan is quick and convenient. Follow these steps:
- Dial the Bills Credit USSD Code:
- Dial
*928*222#or*779#on your mobile phone.
- Dial
- Follow the Prompts:
- Select “Apply for Loan.”
- Enter your personal and employment details.
- Input the loan amount you wish to apply for.
- Verification and Approval:
- Bills Credit verifies your details and creditworthiness.
- Once approved, the loan amount is sent directly to your mobile money wallet or bank account.
- Repayment:
- Repay your loan easily through the same USSD codes before or on the due date.
- Timely repayment increases your loan limit for future applications.
✅ Why Choose Bills Credit Loans Ghana
- Legit and Regulated by the Bank of Ghana
Ensures your funds and data are secure. - No Collateral Required
Get access to funds instantly without needing property or guarantees. - Flexible Repayment Plans
Enjoy longer repayment durations — up to 12 months. - Trusted Brand with a Strong Reputation
Bills Credit (formerly Quick Credit) has served thousands of Ghanaians reliably. - Convenient USSD Access
Apply and repay loans anytime, anywhere without needing internet access.
📞 Bills Credit Loans Ghana Contact Information
For customer support, inquiries, or assistance:
📞 Phone: +233 302 200 390 / +233 596 920 833
🌐 USSD Codes: 928222# or *779#
🧠 Frequently Asked Questions (FAQs)
1. Is Bills Credit Loans Ghana legit?
Yes. Bills Credit is licensed and approved by the Bank of Ghana (BoG), making it a legitimate financial lender in the country.
2. How much can I borrow from Bills Credit?
You can borrow between ₵1,000 and ₵150,000, depending on your eligibility and repayment history.
3. Do I need collateral to get a loan?
No, Bills Credit offers unsecured loans, meaning you don’t need any collateral.
4. How do I repay my Bills Credit loan?
You can repay via USSD by dialing 928222# or *779# and following the repayment prompts.
5. What happens if I repay on time?
Timely repayment increases your credit limit and builds a positive borrowing history with Bills Credit.
6. How long does it take to receive the loan after applying?
Most loans are processed instantly or within a few minutes after successful verification.
7. Can I apply without a smartphone?
Yes. You can use any phone that supports USSD codes to apply for and manage your loan.
📊 Summary of Top Online Loan Apps in Ghana
| Loan App | Loan Range | Interest Rate | Collateral Required | Repayment Period | Application Method |
|---|---|---|---|---|---|
| Bills Credit (Quick Credit) | ₵1,000 – ₵150,000 | Low | ❌ No | Up to 12 months | 928222# / *779# |
| Fido Money | ₵200 – ₵5,000 | From 10% | ❌ No | 30 days | Fido App |
| FairMoney Ghana | ₵500 – ₵50,000 | From 2.5% per month | ❌ No | 30 – 90 days | FairMoney App |
| Branch International | ₵100 – ₵20,000 | Varies | ❌ No | 30 – 90 days | Branch App |
| Paylater (Carbon) | ₵200 – ₵30,000 | Low | ❌ No | 1 – 6 months | Carbon App |
| SikaPurse Loans | ₵500 – ₵10,000 | Moderate | ❌ No | 14 – 60 days | SikaPurse App |
💡 Conclusion
Bills Credit Loans Ghana continues to stand out as one of the best online loan providers in Ghana. With its Bank of Ghana approval, no collateral requirement, and simple USSD loan access, it remains a go-to solution for Ghanaians seeking fast, flexible, and reliable financing. Whether for business or personal needs, Bills Credit is a trusted partner for financial empowerment.