A clear path from application to ownership
No complicated finance language. Here is exactly what happens, what you need, and how long each stage takes.
- 1
Choose your product
Browse our catalogue online or visit a branch. Every item shows the cash price, hire purchase price, deposit and monthly payment upfront.
- 2
Submit your application
Complete a short form with your Ghana Card, proof of income or business, and one guarantor. It takes about ten minutes.
- 3
Application review
Our credit team verifies your details and confirms an affordable payment plan. You receive an SMS with the decision.
- 4
Pay your deposit
Pay the agreed deposit by mobile money, bank transfer or at a branch, then sign your hire purchase agreement.
- 5
Take your product home
We deliver and install free of charge in Greater Accra, and at a small fee nationwide. Enjoy it while you pay the balance.
Documents required to apply
Bring these along, or upload photos of them, and your application can be reviewed the same day.
Valid Ghana Card
A clear photo of the front and back of your national identification card.
Proof of income
Three months of payslips, bank statements or mobile money statements.
One guarantor
A working adult who knows you, with their own Ghana Card and phone number.
Proof of residence
A utility bill, tenancy agreement or a letter from your landlord or assembly member.