Best Ghana Loan App

209+ iOS apps curated and reviewed

3.6 avg rating
20 free apps
Updated May 2026

From beginner-friendly picks to power-user tools, our ghana loan app list covers 209+ iPhone apps updated through May 2026. Compare ratings, prices, and screenshots in one place.

Compare top Ghana Loan App (May 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1CediPayCediPayFree2.7★ (23)NoNoJul 2026
2SIKACASH+SIKACASH+Free4.6★ (1.9K)NoNoJul 2026
3PayMe - Personal loan appPayMe - Personal loan appFree3.6★ (31)NoNoJul 2026
4SLTF MobileSLTF MobileFree2.9★ (28)NoNoJul 2026
5FairMoney: Loan App In NigeriaFairMoney: Loan App In NigeriaFree4.6★ (14K)NoNoJul 2026
6Lenme: Investing and BorrowingLenme: Investing and BorrowingFree4.4★ (73K)YesYesJul 2026
7AffinityAffinityFree4.6★ (1.3K)YesNoJul 2026
8Fidelity Bank GhanaFidelity Bank GhanaFree4.6★ (4.9K)NoNoJul 2026

Top Picks for Ghana Loan App

CediPay#1

CediPay by NEW-CEDIPAY GHANA LIMITED

Editor's Choice
💰 Finance
2.7(23 ratings)
Free
CediPay screenshot 1
CediPay screenshot 2
CediPay screenshot 3
CediPay screenshot 4
CediPay screenshot 5

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.

4.6😞(1.9K ratings)
Free
SIKACASH+ screenshot 1
SIKACASH+ screenshot 2
SIKACASH+ screenshot 3
SIKACASH+ screenshot 4
SIKACASH+ screenshot 5
SIKACASH+ screenshot 6

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

  • 🚀 Fast and easy to use
  • 🔒 Secure money transfers
  • 👍 Great customer service

Room to Improve

  • 🐛 Slow transaction speed
  • ❌ Poor responsiveness to customer inquiries
  • 🚫 Lack of customer support
PayMe - Personal loan app#3

PayMe - Personal loan app by Huey Tech Private Limited

Instant personal loan app
Worth Considering
💰 Finance
3.6(31 ratings)
Free
PayMe - Personal loan app screenshot 1
PayMe - Personal loan app screenshot 2
PayMe - Personal loan app screenshot 3
PayMe - Personal loan app screenshot 4

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.

More Ghana Loan App apps to explore

4
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
💰 Finance
(28)
free
5
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
💰 Finance
(14K)
free
6
Lenme: Investing and Borrowing
Lenme: Investing and Borrowing
Lenme: Investing and Borrowing
Borrow, Lend & Grow!
Free

Access instant cash advances and personal loans regardless of credit score. Borrow or lend money with flexible terms and transparent fees. Explore money-saving tools and passive income opportunities.

Instant cash advances up to $200Personal loans from $50 to $5,000Crypto-backed loans up to $10,000
💰 Finance
(73K)
subscription
7
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
💰 Finance
(1.3K)
free with in-app purchases
8
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
💰 Finance
(4.9K)
free
9
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
💰 Finance
(29)
free
10
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Upstart: Personal Loans + More
Helping you borrow, better.
Free

Access funds quickly with a transparent and simple borrowing process. Check your rate in minutes without impacting your credit score. Apply for fixed-rate loans from $500 to $75,000 for various needs.

Check rate without credit score impactFast approvals and fundingPersonal loans up to $75,000
💰 Finance
(37K)
free
11
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
💰 Finance
(1)
free
12
GhanaPay Customer
GhanaPay Customer
GhanaPay Customer
Your Money, Your Way.
Free

A mobile wallet service offering low-cost financial transactions including sending money, bill payments, and airtime purchases. It provides additional features like savings pots, crowdfunding, and sponsored wallets, with USSD access available.

Send moneyPay billsBuy airtime
💰 Finance
(74)
free
13
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
💰 Finance
(1.1K)
free
14
GCB Mobile App
GCB Mobile App
GCB Mobile App
GCB Mobile App
Free

Manage your finances entirely from your smartphone. Open accounts, invest, pay bills, and secure your profile with biometric authentication. Enjoy a user-friendly interface with customizable themes and real-time transaction alerts.

Biometric profile securityBill payments (including ECG)Invest in Term Deposits
💰 Finance
(344)
free
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
💰 Finance
(1)
free
16
loanDepot Mobile
loanDepot Mobile
loanDepot Mobile
Mortgage Payments & Balances
Free

Manage your mortgage payments, view loan balances, and access important documents securely. Set up autopay, track payment history, and go paperless with convenient alerts and statement access.

Make and schedule mortgage paymentsSet up automatic paymentsView payment history and status
💰 Finance
(3.9K)
free with in-app purchases
17
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
18
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
💰 Finance
(16)
free
19
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
💰 Finance
(15K)
free
20
eLendly
eLendly
eLendly
Gift, Lend, Borrow and Invest
Free

Manage your financial life by automating subscriptions, lending and borrowing with friends, and tracking your overall finances. This app provides a centralized platform for personal financial management.

Automate subscriptionsLend and borrow with friendsTrack finances
💰 Finance
(49)
free

FAQ about Ghana Loan App

What is the best ghana loan app for iPhone?
CediPay tops our ghana loan app ranking as of May 2026, with a 2.7-star average from 23 App Store ratings, and it's free to download.
Yes — 20 of the top ghana loan app we rank are free to download, including CediPay and SIKACASH+.
CediPay has no ads and has no in-app purchases, according to its App Store listing as of May 2026.
We track 209+ ghana loan app on the iOS App Store as of May 2026, ranked by rating, recency, and analysis of real user reviews.
CediPay is a mobile-based platform designed for everyday payments of goods and important services. It allows users to send and receive money, pay bills, top up airtime, and pay for goods and services.
CediPay is supported on iPhone, iPad, and iPod devices. This ensures accessibility for users within the Apple ecosystem.