Buying loans in Ghana could be very troublesome regardless of the aim for which the mortgage is being acquired.
If not for some annoying up and downs by the corporate concerned, then it’s their processing time or processing price.
For most individuals, nevertheless, the principle purpose they’re unable to entry mortgage services is the supply of collateral.
Collateral could be a very massive difficulty within the strategy of buying a mortgage since most main mortgage corporations solely think about landed property and automobile as collateral – which most individuals don’t have.
So, on this article, I’ll take you thru a listing of on-line loans in Ghana which function with out collateral.
Zidisha Loans
Speak of loans with out collateral and Zidisha can be the primary on the record in all places. With loans as much as 50,000 cedis, Zidisha doesn’t require any type of collateral from candidates.
Zidisha Loans is a peer to see mortgage firm which operates through the web.
Zidisha supplies the platform for people to lift capital for his or her initiatives and companies through the web, from different people who’re prepared to lend cash to entrepreneurs who’re in dire want of it.
With such an enormous sum of money, the one issues Zidisha require embody your small business goal, your goal market, your compensation plan and a obligatory 40 cedis cost for mortgage processing.
You will discover out extra about them through their web site: https://www.zidisha.org/
Fido Loans
With a cellular software which permits customers to use for loans and obtain loans through their cellular cash pockets, Fido loans function on belief. There isn’t any want for candidates to point out proof of any collateral in an effort to purchase Fido loans.
The one paperwork required for a mortgage with Fido embody an ID card, residential particulars and your employment particulars that are used within the registration course of.
In case you are deemed to qualify for the mortgage quantity you requested, you shall obtain the quantity in a couple of moments through your cellular pockets.
For people hoping to take loans of upper quantities, they must take decrease quantities of mortgage and repay them on time in an effort to construct a credit score historical past with the corporate to qualify for larger loans.
Obtain the app on the Google playstore through https://play.google.com/retailer/apps/particulars?id=com.fidocredit&hl=en_US
Carbon (Previously Paylater Ghana)
Pay later or Carbon is likely one of the best on-line mortgage corporations in Ghana. The corporate provides out loans to people from all financial and social classes.
With Carbon, all mortgage requests, processes and funds are performed through their android platform cellular app.
You’ll be able to borrow from as little as 5 cedis to as excessive as 1,000 cedis with out the necessity to present a collateral.
All that’s required of you as a mortgage applicant is your bio-data, your {photograph}, details about your employment and the mortgage quantity you need.
As soon as your mortgage has been reviewed and also you go the assessment course of, your cash is distributed through the cellular pockets you utilized with.
Apparently, there isn’t any further cost when you fail to fulfill your compensation deadline. The one punishment is that you could be not get a mortgage from them the following time you’re in want.
Get their app at the moment on the Google Playstore through https://play.google.com/retailer/apps/particulars?id=com.lenddo.cellular.paylater&hl=en_US
MTN Qwikloans
This mortgage service is likely one of the hottest loans providers accessible at the moment nevertheless, it’s only accessible to prospects who personal MTN Cell Cash wallets.
With this mortgage, you may get u to 1,000 cedis value of mortgage via your MTN cellular cash pockets inside 5 minutes.
You solely should be an lively MTN cellular cash consumer who buys airtime and knowledge out of your pockets and in addition sends and receives cash via the identical pockets over the previous 6 months.
When you qualify for this provide, you do not want to point out any collateral since all the things is completed through a USSD code which might even be accessed in your function cellphone ‘Yam’.
