Best Loan Apps in Ghana That Don’t Ask for Payslip (2025 Update)

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In Ghana, getting a quick loan used to be a long, stressful process. But now, thanks to mobile technology, you can apply for loans right from your phone — and the best part? No payslip or bank statement needed! Whether you’re a student, freelancer, or small business owner, these loan apps can help in emergencies or when you need a little extra cash.

Here are the best loan apps in Ghana (2025) that don’t ask for a payslip.


1. Fido Money Lending

Fido is one of the most trusted loan apps in Ghana. You can apply with just your ID card and mobile money number.

  • Loan Amount: Gh¢100 – Gh¢3,000
  • Requirements: Ghana Card, Mobile Money
  • Disbursement: In minutes to your MoMo
  • Repayment: 10–30 days

Why It’s Good: Fast approval, easy to use, and no paperwork.



2. Carbon (Formerly Paylater)

Carbon is an app-based loan platform available in Ghana and Nigeria. You can access it 24/7, and no payslip is needed.


  • Loan Amount: Varies based on your credit score
  • Requirements: Mobile phone, ID
  • Bonus: You can also pay bills and buy airtime


Tip: The more you repay on time, the more your loan limit increases.





3. BloomKash

BloomKash is another mobile app providing short-term loans in Ghana. They don’t need your payslip, and the process is simple.

  • Loan Range: Gh¢65 – Gh¢1,000
  • Payment Time: Up to 91 days
  • Interest: Between 15% – 30%


Note: Repay on time to avoid penalties.



4. Oze SME Loans (for Small Businesses)

If you’re a small business owner, Oze can be your go-to. It’s designed for entrepreneurs and doesn’t need a traditional payslip.


  • Special Feature: Business-focused loans
  • Requirement: Business activity proof (not payslip)
  • Add-on: You can also track your business income with their free app. 



5. FairMoney

FairMoney offers fast mobile loans in Ghana with no collateral or salary proof.

  • Loan Range: Up to Gh¢1,500
  • Approval: Often instant
  • Repayment:Period: 61–180 days


Bonus Tip: Build trust by repaying on time and you’ll get bigger offers!



Final Advice: Borrow Smart

Loan apps are helpful — but only borrow what you can repay. Late payments may reduce your credit score and block you from future loans.


Want more financial tips like this? Follow this blog for daily guides, money hacks, and online hustle ideas in Ghana.







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