Best Loan App In Ghana

202+ iOS apps curated and reviewed

3.8 avg rating
20 free apps
Updated July 2026

Out of 202+ loan app in ghana 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.

Compare top Loan App In Ghana (July 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1SIKACASH+SIKACASH+Free4.6β˜… (1.9K)NoNoJul 2026
2CediPayCediPayFree2.7β˜… (23)NoNoJul 2026
3Fidelity FastLoanFidelity FastLoanFree2.4β˜… (29)NoNoJul 2026
4Loan PowerLoan PowerFree5.0β˜… (1)NoYesMay 2026
5expressPayexpressPayFree4.1β˜… (114)NoNoJun 2026
6Sinapi MobileSinapi MobileFree2.0β˜… (1)NoNoMay 2026
7LoanTapLoanTapFree5.0β˜… (2)NoNoJul 2026
8PayMe - Personal loan appPayMe - Personal loan appFree3.6β˜… (31)NoNoJul 2026

Top Picks for Loan App In Ghana

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

  • 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
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.

Fidelity FastLoan#3

Fidelity FastLoan by Fidelity Bank Plc

Worth Considering
πŸ’° Finance
2.4(29 ratings)
Free
Fidelity FastLoan screenshot 1
Fidelity FastLoan screenshot 2
Fidelity FastLoan screenshot 3
Fidelity FastLoan screenshot 4
Fidelity FastLoan screenshot 5
Fidelity FastLoan screenshot 6

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.

More Loan App In Ghana apps to explore

4
Loan Power
Loan Power
Loan Power
by David Burns
Free

Calculate loan payments, principal, interest rate, or term. It helps answer questions about loan affordability, credit card payoff timelines, and investment income generation.

Calculate loan paymentsDetermine principalCalculate interest rate
πŸ’° Finance
(1)
free
5
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
6
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
7
LoanTap
LoanTap
LoanTap
Bringing Dreams to Life
Free

Access fast, flexible personal loans designed for salaried professionals. Choose from various repayment plans to suit your financial needs and get funds quickly with minimal documentation. Apply digitally from anywhere.

Fast loan disbursal (24 hours)Flexible repayment plansCustomized personal loans
πŸ’° Finance
(2)
free
8
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
(31)
free with in-app purchases
9
Quick Loan Evaluator & Calc
Quick Loan Evaluator & Calc
Quick Loan Evaluator & Calc
by Kipyegon Meshack
Free
πŸ’Ό Business
(0)
10
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
11
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
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
Easy Loan.
Easy Loan.
Easy Loan.
Easy loan
Free
πŸ’° Finance
(0)
14
AES Student Loans
AES Student Loans
AES Student Loans
by Avereo
Free

Manage your student loan account conveniently from anywhere. Access account details, make payments, and update your information. Get support and plan for successful loan repayment.

Access account detailsVisualize loan balanceMake and schedule payments
πŸ’° Finance
(16K)
free
15
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
16
Max Loan
Max Loan
Max Loan
by Malay Patel
Free

Manage all your loans, including home, car, and personal loans, in one place. View loan details, check installments, and access amortization tables. Edit loan information and perform other management tasks.

Track all loan typesView loan detailsCheck installment payments
πŸ’° Finance
(1)
free
17
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
18
My MTN Ghana
My MTN Ghana
My MTN Ghana
Everything MTN in one app
Free

Manage all your mobile services in one place. Easily buy airtime, purchase bundles, and control your MoMo and Broadband accounts. Access product information 24/7 for ultimate convenience.

Buy airtimePurchase bundlesManage MoMo accounts
πŸ“Š Productivity
(20K)
ad-supported
19
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
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

FAQ about Loan App In Ghana

What is the best loan app in ghana for iPhone?
SIKACASH+ tops our loan app in ghana ranking as of July 2026, with a 4.6-star average from 1.9K App Store ratings, and it's free to download.
Yes β€” 20 of the top loan app in ghana we rank are free to download, including SIKACASH+ and CediPay.
SIKACASH+ has no ads and has no in-app purchases, according to its App Store listing as of July 2026.
We track 202+ loan app in ghana on the iOS App Store as of July 2026, ranked by rating, recency, and analysis of real user reviews.
SIKACASH+ is a trusted international money transfer service that specializes in fast, secure, and cost-effective transfers to Africa. Its mission is to empower individuals and communities by facilitating the seamless flow of funds to support loved ones and economic development across the continent.
You can send money from your debit or prepaid card. The funds can be received through Mobile Wallet, Office Pick Up, or Bank Deposit, offering flexibility for both the sender and the recipient.