Requirements centre
What you need to apply.
Select your customer type to see the exact checklist.
Everyone needs
- Ghana Card
- 2 passport-sized photos
- Utility bill or digital address
- Proof of income or business activity
- Guarantor and credit checks
- Valid residence within operational areas
Business owner
- Proof of business (registration or licence; AMA/KMA permit)
- Proof of cash flow for at least 6 months (sales book, MoMo or bank statement)
- 2 passport-sized photos and a valid ID (Ghana Card, Voter ID, Passport or Driver's Licence)
- 2 guarantors, each with 1 passport photo and 1 ID card
- Inspection of your business and home
- Completed loan application form
- Signed loan offer letter
Salary worker
- Proof of regular income (3 months pay slips)
- Appointment letter
- Bank statement (at least 6 months)
- 2 passport-sized photos and a valid ID
- 2 guarantors, each with 1 passport photo and 1 ID card
- Letter of undertaking from your employer
- Inspection of your workplace and home
- Completed application form and signed offer letter
Taxi / trotro driver
- Vehicle documents (owner or work-and-pay agreement)
- Union endorsement
- Proof of income (MoMo or bank statement, or records)
- 2 passport-sized photos and a valid ID
- 2 guarantors, each with 1 passport photo and 1 ID card
- Inspection of your home and vehicle
- Completed application form and signed offer letter
Company / SME
- Proof of identity of directors
- Company registration documents
- Company profile
- Contract agreement (if applicable)
- Board resolution authorizing the loan
- Official application letter to borrow
- Bank statement (at least 6 months)
- Inspection of company premises
- Completed application form and signed offer letter
Returning customer? Let us know when you apply and we'll tell you which documents we can reuse. Loan type extras: obituary for funeral loans; contract documents for contract loans.