Central Bank Rate: 21.50%
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Loan Apps Ghana

31 Verified Lenders • From 16.0% APR

Central Bank Rate 21.50%
Inflation Rate 9.40%
GDP/Capita GHS 31,376
Average Monthly Salary GHS 1,438
Income Tax Rate 25.0%
Average Property Price GHS 1,200K
Unemployment Rate 13.1%

Loan Types Available

Personal Loans

Interest Rate 16.00% - 27.90%
Loan Amount GHS 2,000 - 500K
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Business Loans

Interest Rate 17.91% - 31.37%
Loan Amount GHS 5,000 - 1,000K
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Student Loans

Interest Rate 5.00% - 8.00%
Loan Amount GHS 5,000 - 50K
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Mortgage Loans

Interest Rate 18.00% - 25.00%
Loan Amount GHS 20,000 - 1,000K
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Auto Loans

Interest Rate 24.00% - 30.00%
Loan Amount GHS 5,000 - 300K
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General Requirements

Age Requirements

18 - 65 years

Residency

Required

Credit Score System

Credit Reference Bureau

Minimum Down Payment

20.0%

Top Lenders

Loan Base

4.7
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FairMoney

4.7
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SoftMoney

4.7
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Ozzy Money

4.7
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Cashpal Pro

4.7
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Cash Future

4.7
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Loan Calculator

Monthly Payment GHS 890
Total Cost GHS 10,680
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Verified Expert
James Mitchell

James Mitchell

International Finance Expert & Credit Analyst

Over 8 years of experience analyzing loan markets and banking systems across 193 countries. Helping consumers make informed financial decisions through independent research and expert guidance.

Verified 3 days ago
193 Countries
12,000+ Reviews