Access to quick and reliable credit has become essential for many Ghanaians in 2026. With the rapid growth of mobile lending platforms, several new loan apps have entered the market. One such platform gaining attention is the Mena Loan App Ghana.
This detailed review explains how the Mena Loan App works, its loan features, interest rates, repayment terms, and how it compares with legitimate lenders in Ghana.
What Is Mena Loan App Ghana?
Mena Loan App is a newly launched digital loan application in Ghana operated by Nina & Co Ltd. The app is designed to provide fast short-term loans to individuals who need emergency cash without lengthy paperwork or collateral.
Users can apply directly through their smartphones and receive loan decisions within a short time.
Mena Loan App Loan Features
Below are the key features advertised by the Mena Loan App in Ghana:
- Loan Amount: GHS 1,000 – GHS 5,000
- Interest Rate: 24% APR per year
- Service Fee: As low as 1% – 2%
- Maximum Repayment Period: 91 days
- Loan Type: Short-term personal loans
- Collateral: Not required
These features make Mena Loan suitable for users looking for quick cash loans in Ghana with short repayment periods.
How to Apply for Mena Loan App in Ghana
Applying for a loan on Mena Loan App is simple and fully digital:
- Open the Google Play Store on your Android phone
- Search for Mena Loan App
- Download and install the application
- Register using your personal and mobile money details
- Select your desired loan amount and submit your application
Once approved, funds are sent directly to your mobile money wallet.
Customer Support Contact
For inquiries, complaints, or loan assistance, users can reach Mena Loan App support through:
- Email: uzatpm@gmail.com
Is Mena Loan App Legit in Ghana?
Mena Loan App is a new entrant in Ghana’s digital lending space. While it claims to operate under Nina & Co Ltd, borrowers are strongly advised to verify its regulatory status before applying.
In Ghana, legitimate loan apps are typically:
- Licensed by the Bank of Ghana
- Transparent about interest rates and fees
- Clear on repayment terms and data privacy
Before borrowing from any new loan app, always confirm that it complies with Bank of Ghana digital lending regulations to avoid risks associated with unlicensed lenders.
Pros and Cons of Mena Loan App Ghana
Pros
- Fast loan application process
- No collateral required
- Reasonable service fee range
- Suitable for short-term emergencies
Cons
- Short repayment period (up to 91 days only)
- New platform with limited public track record
- Regulatory status should be verified
Table Summary: Legit Loan Lenders in Ghana (2026)
Below is a summary of popular and widely recognized loan platforms in Ghana that borrowers commonly consider in 2026:
| Loan App / Lender | Loan Range (GHS) | Repayment Period | Platform Type | Notes |
|---|---|---|---|---|
| Fido Micro Credit | 100 – 3,000+ | Up to 6 months | Mobile App | One of the most established digital lenders |
| MTN QwikLoan | Varies | Short-term | Mobile Money | Integrated with MTN MoMo |
| Aella Credit | Up to 5,000 | Flexible | Mobile App | Pan-African digital lender |
| FairMoney | Up to 10,000 | Flexible | Mobile App | Popular across Africa |
| Carbon (Paylater) | Up to 5,000 | Short-term | Mobile App | Well-known fintech brand |
Always confirm current licensing and terms before borrowing.
Final Thoughts on Mena Loan App Ghana
The Mena Loan App Ghana offers a convenient option for borrowers seeking quick loans between GHS 1,000 and GHS 5,000 with relatively low service fees and a straightforward application process.
However, as with all new loan apps in Ghana, users should:
- Read loan terms carefully
- Confirm legitimacy and licensing
- Borrow only what they can repay within 91 days
If used responsibly, Mena Loan App may serve as a short-term financial solution for urgent needs.