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 1,000;
✓ 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.

Dos and Don’ts- Fido Loan Application

✓Don’t use a mobile money number that does not belong to you.
✓Don’t use someone’s ID card to apply for the loan.
✓Don’t use names that are not on the ID card or shorten it (Ex. Do not write Abiba❌ if the name on your ID is Abibatu✔)
✓Don’t use an ID card that has spelling mistakes on it or the wrong date of birth. Contact your service provider to correct the error before applying again.
✓Don’t apply for someone else.

✓Ensure that you type your correct ID number in the mobile app.
✓Ensure that you type the mobile money number correctly without any mistakes.
✓Ensure that the date of birth you select in the app is correct, and it’s the same as the date of birth on the ID being used to apply.
✓Ensure that there are no mistakes with the name and date of birth on the ID card you want to use for the application.
✓Ensure to repay your loan on time to continue doing business with Fido.

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 GHS 14.

Representative Example:
A borrower may take up to GHS 1,000 to be repaid in 3 monthly installments, with declining principal, at a rate of 0.266% interest per day.
The representative Annual Percentage Rate for such loan, including all interest and fee costs, is 71%, however this rate is for reference only. Fido loans do not compound interest and are not eligible for extension or refinancing beyond the stated term.

You can contact us on 0302208060 for further information

You can be assured of your privacy, your data is secure with Fido
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What's New

Improvements to user communications
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Additional Information

November 14, 2019
Current Version
Requires Android
4.1 and up
Content Rating
Offered By
Fido Solutions
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