Best Loan Apps In Ghana

239+ iOS apps curated and reviewed

4.0 avg rating
20 free apps
Updated August 2026

Whether you're new to loan apps in ghana or looking for an upgrade, our curated collection of 239+ iOS apps has something for everyone. Each app is reviewed and rated by real users, helping you make an informed decision.

Compare top Loan Apps In Ghana (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Quick Loan - Credit Cash CalcQuick Loan - Credit Cash CalcFreeYesNoAug 2026
2SIKACASH+SIKACASH+Free4.6★ (1.9K)NoNoAug 2026
3CediPayCediPayFree2.7★ (23)NoNoJul 2026
4Easy Loan.Easy Loan.FreeNoNoJul 2026
5Fidelity FastLoanFidelity FastLoanFree2.4★ (29)NoNoJul 2026
6Borrow Money Fast: Loan CalcBorrow Money Fast: Loan CalcFree4.5★ (2)YesNoAug 2026
7Loan PowerLoan PowerFree5.0★ (1)NoYesMay 2026
8expressPayexpressPayFree4.1★ (114)NoNoAug 2026

Top Picks for Loan Apps In Ghana

SIKACASH+#2

SIKACASH+ by Nafa

Strong Contender
💰 Finance
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
CediPay#3

CediPay by NEW-CEDIPAY GHANA LIMITED

Worth Considering
💰 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.

More Loan Apps In Ghana apps to explore

4
Easy Loan.
Easy Loan.
Easy Loan.
Easy loan
Free
💰 Finance
(0)
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
💰 Finance
(29)
free
6
Borrow Money Fast: Loan Calc
Borrow Money Fast: Loan Calc
Borrow Money Fast: Loan Calc
by JAYSUKHBHAI BARVALIYA
Free

Instantly calculate loan EMIs, interest, and repayment schedules. Plan personal and business finances with smart insights and educational tools to make informed borrowing decisions.

Instant EMI calculationPersonal loan planningBusiness loan calculations
💰 Finance
(2)
ad-supported
7
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
💰 Finance
(1)
free
8
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
💰 Finance
(114)
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
💰 Finance
(32)
free with in-app purchases
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
💰 Finance
(1.5K)
free with in-app purchases
11
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
💰 Finance
(3)
free
12
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
💰 Finance
(16K)
free
13
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 Bytes™Set wireless alertsMake secure payments
🔧 Utilities
(1K)
free
14
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
📊 Productivity
(22K)
ad-supported
15
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
16
FairMoney: Save, Spend, Credit
FairMoney: Save, Spend, Credit
FairMoney: Save, Spend, Credit
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
17
Cash Credit - STELTD
Cash Credit - STELTD
Cash Credit - STELTD
Your emergency wallet
Free
💰 Finance
(0)
18
Big Loan PH Online Utang Cash
Big Loan PH Online Utang Cash
Big Loan PH Online Utang Cash
Peso Lending App Philippines
Free
💰 Finance
(0)
19
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
20
SOLO by Tidalwave
SOLO by Tidalwave
SOLO by Tidalwave
Agentic AI Mortgage POS+
Free

This app streamlines the mortgage application process for loan officers. It offers unified communication, automated task management, and quick document verification. Seamless integration with loan origination systems enhances efficiency.

Unified communication (voice, chat)Pre-qualification letter managementAutomated task management
🔧 Utilities
(5)
free

FAQ about Loan Apps In Ghana

Are there free loan apps in ghana for iPhone?
Yes — 20 of the top loan apps in ghana we rank are free to download, including Quick Loan - Credit Cash Calc and SIKACASH+.
Quick Loan - Credit Cash Calc shows ads and has no in-app purchases, according to its App Store listing as of August 2026.
We track 239+ loan apps in ghana on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.