6 loan products

Loans for real life.

GH₵500 to GH₵20,000 over 1 to 6 months. Pick your product to see who qualifies, what to bring and how repayment works.

Amount
GH₵500 – 20,000
Duration
1 to 6 months
Interest
20% (3-month flat) or 6.5% monthly
Repayment
Daily, weekly, bi-weekly, monthly

Micro & Trading Loans

Working capital for small-scale entrepreneurs and traders to grow.

  • Ideal for: market women, traders, provision shops, food vendors
  • Use for: stock purchases, market expansion, restocking
  • Repay: daily, weekly, bi-weekly or monthly
  • Also needs: AMA/KMA permit, sales books or MoMo/bank statement
Requirements

Salary & Personal Loans

Support for salaried workers to meet personal obligations.

  • Ideal for: full-time employees with steady income
  • Use for: bills, rent, family support
  • Terms: up to 6 months, post-dated cheques required
  • Also needs: pay slips and appointment letter
Requirements

Auto & Transport Loans

Tailored for commercial drivers who need funds to operate or maintain their vehicles.

  • Ideal for: taxi and trotro drivers (owned or work-and-pay)
  • Use for: repairs, union obligations, insurance
  • Collateral: vehicle documents and union endorsement
Requirements

Special Purpose Loans

Flexible funding for life's urgent needs.

  • Ideal for: rent, medical expenses, school fees
  • Disbursed quickly with minimal stress
  • Custom repayment terms
Requirements

Funeral Loans

Short-term financing to support families during times of loss.

  • Ideal for: relatives of the deceased
  • Requirement: proof of relationship and death (e.g. obituary)
  • Repayment: immediately after the funeral
Requirements

Contract Loans

Capital to support contract execution and service delivery.

  • Ideal for: contractors, suppliers, business service providers
  • Helps meet deadlines and avoid work stoppages
  • Requires valid contract documents
Requirements
Benefits

What every NDL loan includes.

No prior savings

You don't need to save with us before you borrow.

No hidden charges

Interest and all charges are explained to you before you sign.

Pay your way

Mobile Money, in office, field officer, or bank where available.

Not sure which loan fits?

Answer seven quick questions and we'll point you the right way.