Built in Accra, for Ghanaian households and businesses
We started with one shop and a simple belief: a hard-working person should not have to wait years to own a fridge, a laptop or a proper bed.
Ten years of keeping our word
Hire Purchase Ghana opened in 2015 on Ring Road Central with twelve televisions and a handwritten ledger. Our first customers were teachers and market traders who could afford the item — just not all at once.
Ten years later we serve customers in all sixteen regions, with branches in Accra, Kumasi, Takoradi and Tamale. What has not changed is the ledger discipline: clear terms, receipts for every payment, and a phone number that a real person answers.
We are proud that more than half of our customers come from a referral by someone who finished their plan with us.
Our mission
To make quality household and business essentials affordable for every hard-working Ghanaian, through transparent credit that respects the customer.
Our vision
To become the most trusted consumer finance brand in West Africa — known for honest pricing, fast service and plans people can actually complete.
What we hold ourselves to
Honesty in pricing
Every cedi is disclosed before you sign. No hidden fees, no surprise charges, no changing terms halfway.
Respect for the customer
We treat a ₵2,000 plan with the same care as a ₵20,000 one, and we speak your language.
Quality without compromise
We only stock genuine products from authorised distributors, with warranties we will honour.
Responsible lending
We only approve a plan you can comfortably afford, because a healthy customer is a repeat customer.
Reasons customers stay with us
Fast approval
Most applications receive a decision within 24 hours. Salaried workers and verified traders often hear from us the same day.
Affordable deposits
Start with as little as 25% of the hire purchase price and spread the balance over 9 to 18 months.
Flexible payment plans
Pay weekly, fortnightly or monthly by mobile money, bank transfer or at any of our branch offices.
A company you can trust
Registered in Ghana since 2015, with clear contracts, no hidden charges and a published fee schedule.
Genuine quality products
Every item is sourced from authorised dealers and comes with a manufacturer warranty and receipt.
Excellent customer support
Reach a real person on phone or WhatsApp six days a week — in English, Twi, Ga or Hausa.
Company timeline
- 2015
Founded in Accra
Started with a single shop on Ring Road Central selling televisions and fridges on flexible terms.
- 2017
First 1,000 customers
Introduced mobile money repayments, making weekly payments possible for market traders.
- 2019
Kumasi branch opens
Expanded into Ashanti Region with a full showroom and service desk at Adum.
- 2022
Nationwide delivery
Partnered with logistics providers to deliver and install in all sixteen regions.
- 2024
10,000th application
Launched same-day approvals for salaried applicants with complete documentation.
- 2026
Digital-first service
Customers now browse, apply and track payments online, backed by the same local branch support.
The people behind your plan
A small, experienced team that knows the Ghanaian market and answers the phone.
Nana Yaw Owusu
Managing Director
Twenty years in consumer finance across Ghana and Nigeria.
Abena Sarpong
Head of Credit
Leads the team that keeps approvals fast and repayments affordable.
Ibrahim Alhassan
Operations Manager
Runs delivery, installation and after-sales service nationwide.
Selorm Agbeko
Customer Experience Lead
Makes sure every customer reaches a real person, quickly.