Best Ghana Loan Apps

184+ iOS apps curated and reviewed

3.8 avg rating
20 free apps
Updated May 2026

Out of 184+ ghana loan apps on iOS, 20 are free and the rest sit in the paid tier. This page sorts them so you can compare both sides before you commit.

Top Picks for Ghana Loan

4.6😞(1.9K ratings)
Free
SIKACASH+ screenshot 1
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SIKACASH+ screenshot 3
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Send money internationally to Africa with a trusted service. Facilitate fast, secure, and cost-effective transfers to support loved ones and economic development. Send funds via debit or prepaid card to mobile wallets, office pickup, or bank deposit.

What We Love

  • πŸš€ Fast and easy to use
  • πŸ”’ Secure money transfers
  • πŸ‘ Great customer service

Room to Improve

  • πŸ› Slow transaction speed
  • ❌ Poor responsiveness to customer inquiries
  • 🚫 Lack of customer support
CediPay#2

CediPay by NEW-CEDIPAY GHANA LIMITED

Strong Contender
πŸ’° Finance
2.7(23 ratings)
Free
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A mobile platform for everyday payments and essential services. Send and receive money, pay bills, top up airtime, and pay for goods and services seamlessly. Promotes financial and social inclusion.

Loan Power#3

Loan Power by David Burns

Worth Considering
πŸ’° Finance
5.0(1 ratings)
FreeIn-App Purchases
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Calculate loan payments, principal, interest rate, or term. It helps answer questions about loan affordability, credit card payoff timelines, and investment income generation.

More Ghana Loan apps to explore

4
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
iMobile: Loan, Cards & Banking
Loans, Cards, Payment & FASTag
Free

This banking app provides over 400 services, including loans, savings accounts, fund transfers, and card management. It allows users to manage investments, make payments, recharge services, and book travel. Features include budgeting tools, rewards, and 24/7 chatbot assistance.

Apply for various loans (Personal, Home, Car)Open digital savings accounts and fixed depositsManage debit, credit, and forex cards
πŸ’° Finance
(63K)
free
5
Fidelity FastLoan
Fidelity FastLoan
Fidelity FastLoan
by Fidelity Bank Plc
Free

This finance app enables users to apply for and receive micro loans quickly. It offers instant disbursement within minutes, with flexible repayment options. No documentation, collateral, or bank visits are required.

Instant micro loan disbursementLoan repayment optionsNo documentation required
πŸ’° Finance
(29)
free
6
Fidelity Bank Ghana
Fidelity Bank Ghana
Fidelity Bank Ghana
by FIDELITY BANK GHANA LTD
Free

This mobile banking application provides secure and convenient access to your Fidelity Bank Ghana accounts. Easily manage your finances, make payments, and perform transactions on the go. Self-registration allows for quick setup without needing to visit a branch.

Account accessSecure transactionsPayments
πŸ’° Finance
(4.9K)
free
7
SLTF Mobile
SLTF Mobile
SLTF Mobile
Students Loan Trust Fund
Free

This app facilitates loan applications for Ghanaian tertiary students pursuing accredited undergraduate programs. Applicants need a Ghana Card, a personal email, and an e-zwich card to apply.

Loan application for tertiary studentsRequires Ghana CardRequires personal email
πŸ’° Finance
(28)
free
8
Loan One Mobile Access
Loan One Mobile Access
Loan One Mobile Access
by ORIGIN MORTGAGE MANAGEMENT SERVICES PTY LTD
Free

Manage your home loan account on the go. Easily pay bills, transfer funds across Australia, and redraw from your home loan account with daily limits. Enjoy secure access to your account balance and transaction history.

Pay billsTransfer fundsAccess account balance
πŸ’° Finance
(1)
free
9
PayMe - Personal loan app
PayMe - Personal loan app
PayMe - Personal loan app
Instant personal loan app
Free

This app provides instant personal loans for salaried individuals in India, with amounts ranging from Rs. 2,000 to Rs. 2 Lakh. It offers a 100% paperless process, flexible repayment options, and quick approvals, with funds disbursed directly to your bank account.

100% paperless processLoans up to Rs. 2 LakhFlexible repayment options
πŸ’° Finance
(28)
free with in-app purchases
10
Chipper Cash
Chipper Cash
Chipper Cash
Send or Request Cash in Africa
Free

Send and receive money instantly and for free across town or across Africa. This app facilitates fast, fee-free local transfers and offers competitive rates for cross-border transactions. It also allows for discounted airtime purchases and bill payments.

Free local money transfersLow cross-border ratesBuy discounted airtime with cashback
πŸ’° Finance
(15K)
free
11
expressPay
expressPay
expressPay
by expressPay Ghana Limited
Free

Send money instantly to mobile money accounts or bank accounts with just a few taps. Easily purchase airtime and internet data for any network in seconds. Pay merchants and service providers using various digital payment methods.

Instant money transfersMobile money and bank account transfersInstant airtime purchases
πŸ’° Finance
(114)
free
12
Fido My Account
Fido My Account
Fido My Account
Track data usage & pay bills
Free

Manage your mobile account, track data usage, and pay bills with ease. This app allows you to customize your plan, manage SIM cards, and access support 24/7. It also offers exclusive banking offers and travel features.

Track data usage with Data Bytesβ„’Set wireless alertsMake secure payments
πŸ”§ Utilities
(1K)
free
13
Fast Credit Mobile
Fast Credit Mobile
Fast Credit Mobile
by FAST CREDIT LIMITED
Free

Access quick loans and smart investment opportunities with this financial services app. It offers transparent processes, fast approvals, and secure transactions for individuals in Nigeria. Grow your wealth and manage your finances conveniently.

Quick loans up to ₦5,000,000Flexible repayment plansFast approvals and disbursements
πŸ’° Finance
(16)
free
14
Affinity
Affinity
Affinity
by Affinity Africa Finance Limited
Free

This digital financial institution offers inclusive banking solutions with a user-friendly interface. Access banking services 24/7, open accounts with KYC, and manage transfers, bill payments, and investments affordably. It is licensed and regulated by the Bank of Ghana.

User-friendly interface24/7 banking accessLicensed and regulated
πŸ’° Finance
(1.3K)
free with in-app purchases
15
Sinapi Mobile
Sinapi Mobile
Sinapi Mobile
by Sinapi Aba Savings & Loans
Free

Manage your banking needs and access financial education on the go. Send money to bank accounts, mobile wallets, or other SASL accounts, pay bills, and make merchant payments. Learn through engaging video content.

Send money to bank accountsSend money to mobile walletsTransfer between SASL accounts
πŸ’° Finance
(1)
free
16
Telecel Play (Ghana)
Telecel Play (Ghana)
Telecel Play (Ghana)
by GHANA TELECOMMUNICATIONS COMPANY LIMITED
Free

Manage your Telecel services with ease. Send money, pay bills, buy airtime and data bundles, and locate retail stores. Monitor your usage and access promotions all within a modern, user-friendly interface.

Telecel Cash money transfersAirtime and data bundle purchasesBroadband bill payments
πŸ”§ Utilities
(16K)
free
17
MoMo App
MoMo App
MoMo App
Your Ultimate Financial App
Free

Manage all your finances in one place with this comprehensive financial app. It offers secure login, money transfers, bill payments, loans, and virtual cards for convenient transactions and online shopping.

All financial needs in one placeSecure biometric loginSend and receive money
πŸ’° Finance
(1.1K)
free
18
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Carbon: Mobile Banking & Loans
Save Money|Transfers| Loans
Free

Manage your finances with a digital bank offering easy money management, high-interest savings, accessible loans, and a buy now, pay later option. Enjoy secure banking with real-time alerts and a customizable debit card.

High-interest savings accountsAccessible instant loansBuy Now, Pay Later (0% interest)
πŸ’° Finance
(10K)
free with in-app purchases
19
Sika - Cash for Surveys
Sika - Cash for Surveys
Sika - Cash for Surveys
Earn money, instant payment
Free

Earn money by completing surveys and participating in a referral program. Get paid quickly via PayPal, Amazon, or Starbucks gift cards. Sign up for free and start earning passive income.

Earn coins for surveysReferral program for passive incomeFast payouts
🌟 Lifestyle
(11K)
free
20
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
FairMoney: Loan App In Nigeria
Instant Loan App For Fast Cash
Free

This app provides instant cash loans and flexible repayment plans for individuals and businesses. It also offers savings features with high interest rates and a secure ATM card for seamless transactions. Enjoy transparent financial services with no hidden charges.

Instant cash loans up to NGN 3,000,000Flexible repayment plans (30-180 days)Savings with up to 30% interest
πŸ’° Finance
(14K)
free