Cedi Trust

Cedi Trust is a transparent and easy-to-use revolving credit line app designed for eligible users in Ghana. Complete one application to receive an approved credit limit that can remain valid for up to 24 months.

During the validity period, you can withdraw funds whenever needed without submitting a new application. Interest applies only to the amount withdrawn and its actual usage period. The unused portion of your credit limit remains interest-free.

Credit Line Overview
Available Credit Limit: 1,000 GHS – 100,000 GHS
Repayment Duration: 91 to 720 days (approximately 3 months to 24 months)
Maximum Annual Interest Rate: 21.9%
Credit Validity Period: up to 24 months
Processing Fees: None — no upfront or hidden charges

Reusable Credit
After you make a repayment, the repaid amount becomes available again within your approved credit line. You can continue withdrawing funds during the validity period without applying again.

How Cedi Trust Works
Complete a one-time credit line application
Receive an approved credit limit
Withdraw only the amount you need
Repay within the selected repayment period
Restore your available balance after repayment
Reuse the credit line during its validity period

Interest and Repayment Example
Amount Withdrawn: 2,000 GHS
Repayment Duration: 180 days
Annual Interest Rate: 21.9%
Interest Calculation:
2,000 GHS × 21.9% × (180 ÷ 365) = 216 GHS
Total Repayment:
2,000 GHS + 216 GHS = 2,216 GHS

The same calculation method applies to each withdrawal. Early repayment is allowed with no additional fees. You can also monitor your credit limit, withdrawals, and repayments directly from your phone.

Who Can Apply?
Eligible applicants must:
Be 20 years of age or older
Be a resident of Ghana
Have a valid and active local mobile wallet
Have a stable and verifiable source of income
Employees, self-employed individuals, and small business owners with consistent income are welcome to apply.

Why Choose Cedi Trust?
Reusable credit for greater flexibility
Interest charged only on the amount withdrawn
Credit line validity of up to 24 months
No processing fees or hidden charges
Simple mobile application and account management
Multiple credit limits and repayment options

Getting Started
Download and install Cedi Trust
Sign up with your mobile number
Provide your personal and income information
Complete the assessment
Activate and use your approved credit line

Need Support?
Email: [email protected]