Fido Money Lending

Fido loan is fast, easy and convenient.
Licensed by the Bank of Ghana and trusted by thousands of satisfied customers
Only available in Ghana


Why get a loan through Fido?
👍 Apply in the comfort of your home, anytime;
👍 Receive a loan request decision within minutes;
👍 No hidden fees, all costs are displayed in the app;
👍 No waiting in bank queues & No paperwork required;
👍 No collateral & No guarantor;
👍 Money is disbursed instantly.

What do you get with Fido?
✓ Receive up to GHS 200 for your first loan and repay between 10 and 33 days;
✓ We increase your loan amount  every time you repay on time, up to a maximum of GHS 600;
✓ As the loan limit increases, we decrease the interest rate and offer more flexible installment options;
✓ Interest rate and total amount to repay are displayed in the app.

What do you need to apply?
✓ A valid ID (voter’s ID, biometric passport, NHIA);
✓ A mobile money account that is at least 2 months old;
✓ Be a resident of Ghana, over 18 years of age.

How to Apply?
✓ Download the app and fill in your details only once. For subsequent applications confirm your details only.
✓ Receive an immediate loan decision;
✓ If you are approved, you will receive the money instantly into your mobile money account;
NB: Some customers might be asked to visit the branch if we cannot verify their
identity online.

How to repay?
✓ Repay using your mobile money;
✓ You can find the process on how to repay in the mobile app help section;
✓ Repay on time and you are eligible to take another loan.


Fido Money Lending (Fido) is a licensed financial institution by the Bank of Ghana, providing responsible credit to eligible borrowers in Ghana.

Flexible repayment terms are chosen by the applicant. The terms vary between 10 and 90 days, payable in one or multiple installments, depending on eligibility. The loans are intended to assist with urgent cash needs, and not to service long-term debt obligations.

The rate varies depending on the amount and term chosen by the borrower. Interest is set to a maximum of 0.466% per day and decreases with good repayment behavior. The maximum fee per loan is 12 GHS. Loans are provided for a short duration, to limit the overall cost of credit to the borrower.

Representative Example:
A borrower may take a loan up to 600 GHS for 30 days, at a rate of 0.266% interest per day.
The representative Annual Percentage Rate (APR) for such loan, including all interest and fee costs, is 123%, however this rate is for reference purposes only. Fido loans do not compound interest, nor are not eligible for extension or refinancing beyond the stated term.

You can contact us on 0307082134 for further information

You can be assured of your privacy, your data is secure with Fido
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Additional Information

April 2, 2019
Current Version
Requires Android
4.0.3 and up
Content Rating
Offered By
Fido Solutions
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