Top 6 Loan Apps for iPhone in Ghana

In today’s digital age, smartphones have become an essential part of our lives, offering convenience and accessibility to various services. One area where smartphones have made a significant impact is the loan industry. With the rise of loan apps, individuals can now easily apply for loans directly from their iPhones. This article will explore the top six loan apps for iPhone users in Ghana, providing a convenient way to access financial assistance whenever needed.


In Ghana, obtaining a loan involves lengthy paperwork and visits to financial institutions. However, with the advent of loan apps, the process has become much simpler and faster. These apps allow individuals to apply for loans directly from their iPhones, eliminating the need for physical visits and long waiting periods. Let’s explore the top six loan apps for iPhone users in Ghana and discover the features they offer.

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Super-Loan is a popular loan app available for iPhone users in Ghana. It provides quick and hassle-free access to loans right at your fingertips. With Super-Loan, users can apply for loans of varying amounts and flexible repayment terms. The app offers a seamless user experience and ensures fast approval and disbursement of funds.

Simplified loan application process:

  • Download the SuperLoan app from the Apple Store.
  • Select the loan amount and loan period.
  • Complete the online loan application form.
  • Funds will be credited to the user’s personal account after settlement.

Introducing credit products:

  • Loan amount: 5,000-10,000 GHS (increases to 80,000 GHS if repaid on time).
  • Loan period: 91-365 days (choose according to needs and repay within the term).
  • Annual interest rate not exceeding 12% per year (approximately 0.03% daily interest rate).

Calculation of loan costs:

  • Example: 10,000 GHS principal, 120-day loan period, 12% annual interest rate.
  • Only interest is charged: 10000 x 0.03% = 3 GHS per day.
  • Monthly interest: 3 x 30 = 90 GHS.
  • Total interest for 120 days: 90 x 4 = 360 GHS.
  • Monthly payment amount: 10,000 / 4 + 90 = 2590 GHS.
  • Total repayment after 120 days: 10,000 + 360 = 10360 GHS.

SuperLoan Special Note:

  • Loans are available only to Ghanaian individuals aged 20 and above with stable incomes.
  • Individuals below 20 years old should not use SuperLoan.

Fido Solutions

Fido Solutions is another notable loan app designed for iPhone users in Ghana. This app aims to make the borrowing process transparent and convenient. Fido Solutions offers competitive interest rates, and users can easily apply for loans through a simple and intuitive interface. The app also provides personalized loan recommendations based on the user’s financial profile.

Quick Fido Loans:

  • Loan amount: 100 GHC – 3,000 GHC.
  • Fast approval within 15 minutes.
  • Simple application process from the app.
  • No collateral or guarantors required.
  • Transparent cost disclosure with no hidden fees.

How to apply for a loan:

  • Download the Fido App and register once.
  • Confirm details with a valid Ghana Card and address.
  • Must be 18 and a resident of Ghana to apply.
  • Instant money transfer to Mobile Money account if approved.
  • Display of interest rate and total repayment amount in the app.
  • Up to 200 GHS for the first loan, increasing with timely repayments.
  • Acceptance of MTN, AT & Vodafone Mobile Money wallets.

Repayment options:

  • Dial 711666# to repay.
  • Find repayment process in the Fido App ‘Help’ section for other options.
  • Timely repayment makes you eligible for another loan.

Dos and Don’ts for Fido Loan Application:

  • Don’t pay deposits to any agents; Fido is a 100% mobile app.
  • Don’t use a mobile money number that does not belong to you.
  • Don’t use someone else’s Ghana Card.
  • Don’t use names not on the Ghana Card.
  • Don’t apply for someone else.
  • Ensure correct Ghana Card number, Mobile Money number, and date of birth.
  • Repay loans on time to unlock higher loan amounts and better terms.

Repayment terms:

  • Choose between one or multiple installments based on eligibility.
  • Fido loans are intended for businesses or everyday needs, not long-term debt obligations.
  • Maximum Annual Percentage Rate (APR) is 70%, with interest decreasing with good repayment behavior.
  • Processing fee per loan is 17 GHS, and Deductible Commitment fee is 1.4%.

Representative Example:

  • 1,000 GHS loan for a 180-day term.
  • Interest rate: 0.293% per day.
  • Processing fee: 17 GHS.
  • Total repayment: 1,346.15 GHS (including commitment fee and interest).
  • Flexibility for early repayments to reduce interest.


NewLoan is a trusted loan app that provides instant loans to iPhone users in Ghana. This app stands out for its user-friendly interface and quick application process. With NewLoan, users can access loans without collateral requirements, making it an accessible option for individuals in need of urgent financial assistance.

Requirements to apply:

  • Valid ID (New and Old Voter’s ID, Ghana Card, Driver’s license, Passport).
  • Mobile money account registered in your own name.
  • Acceptance of MTN, Vodafone, and AirtelTigo mobile money wallets.
  • Residency in Ghana and age over 18 years.

How to apply:

  • Download the app and fill in your details once.
  • Register with personal information and apply within seconds.
  • If approved, receive the loan directly into your mobile money account.
  • NewLoan app allows on-the-go credit applications, available 24/7.
  • Loan range from Ghs100 to Ghs5000, with repayment periods of 91 days to 365 days.

Eligibility criteria:

  • Ghanaian citizens.
  • Age between 18 and 60 years.
  • Loan sums from Ghs100 to Ghs5000.
  • Annual Percentage Rate (APR) ranging from 12% to 24%.


  • Loan duration: 365 days.
  • Principal amount: Ghs1000.
  • APR: 20%.
  • Total interest: Ghs200.
  • Total payment: Ghs1200.
  • Total payment duration: 365 days.
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SUPRADA CREDIT is a reliable loan app available for iPhone users in Ghana. It offers a range of loan options tailored to meet different financial needs. The app ensures a smooth loan application process and provides quick approvals. Additionally, SUPRADA CREDIT offers competitive interest rates and flexible repayment terms.

Applicant Requirements:

  • Ghanaian.
  • Age: 18-55 years old.
  • Legitimate regular income.

Easy steps to get a loan:

  • Download SUPRADA CREDIT from the App Store.
  • Register an account with a phone number.
  • Submit information and wait for approval.
  • Receive the money deposited into your account.


  • Loan Amount: ¢10,000.
  • Loan Term: 182 days.
  • Interest Rate: 22% per year.
  • Processing Fee: ¢400 (4% of the loan amount).
  • Total Interest: ¢10,000 * 22% / 2 = ¢1,100.
  • Total Repayment Amount: ¢10,000 + ¢10,000 * 11% + ¢10,000 * 4% = ¢11,500.
  • APR: 30%.

Mix Loan

Mix Loan is a popular loan app that provides convenient and secure lending services to iPhone users in Ghana. This app offers a straightforward loan application process and ensures prompt disbursement of funds upon approval. Mix Loan also prioritizes customer privacy and data security, giving users peace of mind while applying for loans.

Applicant Requirements:

Ghanaian citizens aged 18-60.

Simple steps to apply:

  • Install Mix Loan
  • Register with a mobile number
  • Fill in loan information
  • Apply for a loan
  • Wait for approval


  • Loan amount: 10,000 Ghanaian cedis
  • Loan term: 180 days
  • Annual interest rate: 20%
  • Interest per day = Loan amount * Annual interest rate / 365 = 10,000 * 20% / 365 ≈ 54.79 GHS
  • Total interest = Interest per day * Loan term = 54.79 * 180 = 9,862.2 GHS
  • Total payment = Loan amount + Total interest = 10,000 + 9,862.2 = 19,862.2 GHS

YesCredit – Quick Loan

YesCredit – Quick Loan is a trusted loan app designed specifically for iPhone users in Ghana. This app offers a seamless borrowing experience with a simple and intuitive interface. YesCredit provides instant loan decisions and fast disbursement of funds. The app also offers flexible repayment options to suit individual financial situations.

Applicant Requirements:

  • Ghanaian citizenship
  • Minimum age of 21 years

Simple steps to apply:

  1. Download the YesCredit – Quick Loan app.
  2. Create an account.
  3. Fill out the loan application in seconds.
  4. Receive the loan amount directly into your account.
  5. Repay the loan within the chosen repayment term.


  • Loan amount: 10,000 GHS
  • Loan term: 6 months
  • Interest rate: 60% APR
  • Total interest amount: 3,000 GHS
  • Total repayment amount: 13,000 GHS (principal + interest)


The availability of loan apps for iPhone users in Ghana has revolutionized the borrowing process. These apps have made it easier than ever to access financial assistance quickly and conveniently. From Super-Loan to YesCredit – Quick Loan, there are several reliable options available to iPhone users in Ghana. These loan apps offer varying features, including quick approval, competitive interest rates, flexible repayment terms, and user-friendly interfaces.

Whether you’re facing a financial emergency or need extra funds for personal or business purposes, these top six loan apps provide a reliable and efficient way to meet your financial needs. With just a few taps on your iPhone, you can apply for a loan and receive funds in a matter of hours.

In conclusion, the loan apps mentioned above, including Super-Loan, Fido Solutions, NewLoan, SUPRADA CREDIT, Mix Loan, and YesCredit – Quick Loan, are excellent choices for iPhone users in Ghana seeking financial assistance. Each app offers its unique features and benefits, ensuring a seamless and convenient borrowing experience.


Q1. Are these loan apps available for Android users as well?

Yes, most of the loan apps mentioned in this article are available for both iPhone and Android users, ensuring accessibility to a wider audience.

Q2. What are the eligibility criteria for obtaining a loan through these apps?

The eligibility criteria may vary depending on the app and the loan provider. Generally, you will need to be a Ghanaian citizen or resident, have a valid identification document, be of legal age, and meet certain income requirements.

Q3. How long does it take to get loan approval and disbursement through these apps?

The loan approval and disbursement time can vary from app to app. However, these loan apps are known for their quick and efficient processes, and in many cases, you can receive approval and funds within a few hours.

Q4. Can I apply for multiple loans simultaneously using these apps?

While it is possible to apply for multiple loans, it is essential to borrow responsibly and consider your repayment capabilities. Applying for multiple loans simultaneously may affect your creditworthiness and increase your financial burden.

Q5. Are these loan apps safe and secure to use?

Yes, the loan apps mentioned in this article prioritize user data security and employ encryption protocols to safeguard personal and financial information. However, it is always recommended to read the app’s terms and conditions and ensure you are comfortable with their privacy and security measures.

Remember to choose the loan app that best suits your financial needs and carefully review the terms and conditions before applying for a loan. These loan apps provide a convenient and accessible solution for iPhone users in Ghana, making the borrowing process faster and more efficient than ever before.

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