7 Loan Apps In Ghana Without Collateral

Some loan apps in Ghana offers Instant online cash loans in Ghana without collateral or paperwork.

Thanks to Fintech companies, money lending has become easier as you can also apply for Loans for unemployed in Ghana or get an online loans in Ghana without collateral.

How These Loan Apps In Ghana Works ?

Getting a loan from these loan apps is quick, easy and hassle free but here’s how to get it done in less than 5 minutes.

Step 1: Download any of the loan apps in Ghana listed below from playstore

Step 2′ Create an account with them and provide your correct details

Step 3: Choose the loan application offer available to you

Step 4: Apply for loan.

After you completed the application form and your loan is approved, you cash will be disbursed straight into your bank account in less than 24 hours.

Requirements To Apply From These Loan Apps In Ghana

There are some certain requirements / documents that you need to provide before any of these Ghanaian loan apps will process and approve your loan, some of them are:

1. A Valid ID card for verification ( National ID or Passport )

2. You must live and work here in Ghana

3. A Bank Account

4. You must be above the age of 18 years old

5. 3 – 6 months payslips or bank statement of your account etc..

These are the major requirements needed from any loan apps in Ghana although some requirements differs from some loan app When applying for their loans.

7 Quick Loan Apps In Ghana Without Collateral

Loan Apps In Ghana
Quick Loan Apps In Ghana

We have researched and written out new loan apps and best loan app in Ghana with 100% free collateral that is available for Android and iOS user’s to download and apply for a quick loan in Ghana.

1. Paylater Loan App

Paylater is a leading digital financial service platform that specializes in consumer lending. Headquartered in Lagos, Nigeria, paylater is a global company of over 40 employees with operations in Ghana, South Africa, United Kingdom and Portugal.

The Paylater Ghana operates via mobile phones and their loans are accessible through the Paylater Ghana Loan App which can be downloaded from Google playstore and you can register an account with them without any hassle.

Here is a quick guide for applying and getting a loan through the Paylater Ghana App:

Step 1: download the Paylater Ghana App from playstore and register

2. Introduce yourself by filling in your correct details. Fill out their brief application form with some basic personal information, Paylater will review your application immediately.

3. Enter loan amount you needed and Confirm their rates before you apply.

Once approved, your money is disbursed straight into your bank account within 5 minutes.

The Paylater ghana app now known as carbon has over 1M+: download from Google playstore which you can join them and enjoy the benefits that comes from Paylater ghana app when you hit the download button here.

2. Kiakia Loan App Ghana

Kiakia loan is a subsidiary to the sterling bank of Nigeria and it is an online loan shark and financier that provides frank and straight forward personal loans for unemployed in Ghana at a good interest rates and the idea behind the kia kia loan is for a fast, quick and effective loan access without any paperwork, guarantor and zero collateral.

All you need to do is just to visit the Kiakia Loan website and click on the “Get A Loan” option and then a user friendly chat will open for you and you can fill in and complete your entry.

From then, you will be guided through all the necessary steps for the application.

The whole loan application process takes not more than 15 minutes, but before you acquire a loan, there are some requirements needed before you can get access to the kiakia Loan:

√ A valid ID card

√ You must be 21 year’s and above

√ An email address√

A bank account (preferably a Sterling Bank account).

√ You must also reside in Nigeria or Ghana

√ Bank verification number (BVN).

There are some great features available on Kiakia loan as it doesn’t only ends at giving out Loans for unemployed, individuals can also start investing money with Kiakia loan through their Kiakia p2p app.

KiaKia p2p app is a money lending app that allows you to fund, invest and also earn interest for doing so, their interest earns between 12% – 40% Quarterly, Bi – annual and pre – annual by investing in loan and business.

3. Fairmoney Loan App

Fairmoney is one of the most trusted and best money Lending platform that I can recommend to any Nigerian and Ghanaian to borrow money from online.

They also offer Instant cash loan of Upto $1000 in minutes through the Fairmoney Loan App without any hassle.

√ If you have a smartphone, simply download the fairmoney loan app from google playstore

√ Sign up with the phone number linked with your BVN

√ Answer a few questions and confirm your identity to receive a loan offer,

√ Once you accept the loan offers, your cash will be disbursed and credited in to your account.

4. Fido Money Loan App

This loan app in Ghana has made it easy that people from can Ghana can apply and get Instant loan with no need for collateral or guarantor through Fido loan app.

Fido loan is fast, easy and convenient, licensed by the bank of ghana and trusted by satisfied customers. There loan app is only available in Ghana and can easily be downloaded through playstore.

Why Fido Money Lending App?

• You can apply at your own convenient time

• Recieve a loan decision in minutes

• No hidden or extra fees, all costs are displayed in the apps

• No collateral or guarantee and money is disbursed instantly.

With the Fido loan app, user’s can borrow upto GHS 200 for your first time loan and repay back in 10 – 30 days time, and as you increase your loan amount every time you repay then you get a chance to borrow upto GHS 1,000 with an affordable Interest rates.

5. Skika Master Loan App

Skika loan is one of the biggest money lending platforms in ghana where individuals can apply if they ever ran into in need of cash,

Why Skika Loan?

Skika Loan boost of 24/7 well capitalize internet first, forward thinking, safe, robust, resilient, smart and responsible direct money lender for working class, modern or medium and large business including startups.

User’s can apply and borrow through the skika loan online and Skika App.

6. Barclays Loan App

This is a Ghana based bank loan app that offers instant quick cash loan to all current account Holders with them, user’s who are interested can apply through their online banking or Barclays Loan app and get funded in less than 15 minutes.

How Does Barclays Loan Works?

Before you apply for Barclays loan, they will inform you about your loan rate, if they approve your application then the money will be disbursed straight to your account.

You can download their loan app from playstore and sign up with your correct details.

7. Abba Loan App

Here’s another list of money Lending Apps In Ghana which guarantee instant payday cash loan with a simple, fast and secure banking.

How To Borrow Money From Abba Loan?

Abba offers different types of loans starting from business solution loans, ordinary loan account, commercial asset Finance, enterprise and surprise chain development loan which can be applied through their online website.

Just fill in your correct details both email address, name and number then submit


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