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Absa account holder
6 months employment
Permanent staff or fixed-term contract
APR
7.03–30.03%
Amount
₵500–₵1M
Term
6–96mo
BOA account holder
Salaried worker
6 months employment minimum
APR
10.0%
Amount
—
Term
≤36mo
Salary account with Standard Chartered
Minimum 6 months employment
Credit life insurance required
APR
25.83–32.0%
Amount
₵800–₵350k
Term
12–72mo
Profiled employer
6 months confirmed employment
Stanbic account (1 month minimum)
APR
—
Amount
₵2k–₵500k
Term
12–72mo
Fidelity Bank account holder
Salaried worker
6 months minimum employment
APR
22.0%
Amount
Up to ₵450k
Term
6–84mo
OmniBSIC account holder
Salaried worker
6 months payslips
APR
—
Amount
—
Term
≤36mo
Salaried worker on government payroll or profiled employer
Ghana Card (Ecowas ID)
Recent 3 months payslips
APR
22.75–30.0%
Amount
₵2k–₵700k
Term
12–60mo