There are many reasons why you might prefer to search for apps that give instant loans in Ghana instead of going for traditional bank loans or credit unions.

Whatever your reason is, I understand. Getting a loan from these loan apps is very quick and they offer fast financial solutions when you’re in a hurry for money (Sika no) during an emergency.

Applying for a loan from one of these apps you’re going to discover, will let you get your money from the comfort of your home. No need for guarantors or any collateral issues.

 All you have to do is to download their mobile app from the app store, sign up for a free account and apply for the amount you can afford to pay.

Therefore, if you are a student, aspiring entrepreneur, small business owner, government worker, or individual looking for emergency loans online, this article is right for you.

Sit somewhere comfortably, and get yourself a lollipop as you read this article to the end.

5 Apps That Give Instant Loans In Ghana

Take your time to read through and discover the best apps that give instant loans in Ghana and their services that fit your situation. This might also save you hundreds or thousands of cedis on interest and fees over the course of your loan acquisition.  

1. Fido Money Lending App

Fido money is licensed as a financial institution under the Bank of Ghana to lend money to eligible borrowers. Fido gives an instant loan amount of GHC200 for first-time applicants.

However, getting a large sum of money depends on how quickly you settle your first loan application.

If you can pay it on time, you will unlock a loan package between GHC 600 to GHC 1000 on your next loan offer. Visit here to learn how to apply for a Fido loan and receive instant cash today.

2. Aella Credit Gives Instant Loans In Ghana

Aella Credit Loan app is also one of the apps that give instant loans in Ghana. With Aella, you can receive your loan request in just 5 minutes. You also have the chance to grow your credit score and increase your credit limit at any time. 

Aella Credit Loan does not require any paper documentation or a guarantor. All you have to do is download their mobile app from the app store and provide your basic information.

Their loan ranges from GHC 30 to GHC 14,678, so whatever fund you need, the Aella credit app is there to assist you.

 Don’t worry about their interest rate, for they offer a monthly interest rate ranging from 2% to 20% and APR from 22% to 264% per annum.

3. Lending Papa Also Gives Instant Loans In Ghana

As the name goes, Lending Papa. It is also one of the best apps that give instant loans in Ghana. Lending Papa gives you GHC 1,000 to GHC 5,00 with a loan interest from 8% to 22% per annum. 

They also allow you to repay within a range of 91 to 365 days, depending on your loan amount. 

So, for instance, let’s say you apply for a loan of GHC 5,000. In this case, Lending Papa will give you a loan term of 120 days. That means you’re going to pay the restitution of GHC 5,245.

4. Pay Later Ghana (Get Carbon)

Previously, Pay Later, which is now Get Carbon, is one of Ghana’s best and most reliable instant loan apps in Ghana. Get Carbon is a FinTech app for investment, banking services, and instant short-term loans. 

Their interest ranges from 5% up to 15.5% and new members are eligible to get a loan amount of GHC 80 to GHC 100. 

One good thing about this app is that it gives you a loan discount whenever you refer a friend or a family member to apply for a loan. Download the app from the Google play store and apply for an instant loan today.

5. Sikka Master Mobile App

Sika Master is a direct lender that offers 15 types of loans including student loans. 

They operate from their official website, and that means you don’t need a middle-man before accessing a loan request from Sika Master. 

Sika Master assists individuals and small business entities with various types of loans such as student loans, personal loans, salary advances, etc. 

Final Thoughts On Apps That Give Instant Loans In Ghana

Now that you have the apps that give instant loans in Ghana, what are you going to do? Apply now and get an instant loan of course! 

Well, applying for a loan in time of need is very urgent and necessary, but you have to consider how much you can afford to pay back each month. 

This will help you make the best and right financial decision on how long you need to take the loan out.

 And again, always read their terms and conditions before applying for any loan.