Capital Moni

Capital Moni is an online personal loan service built for eligible users in Ghana.

Life does not always stick to a plan. A medical bill, a school fee, a broken-down vehicle, a business restock — sometimes you need a little extra cash, fast. Capital Moni is designed for those moments: apply from your phone, get assessed, and if approved, receive funds to your bank account or mobile money wallet.
We keep the process simple. You do not need to visit a branch, fill out paper forms or wait for a callback. Everything happens in the app, and you can check your loan status and repayment schedule at any time.

Loan Information
- Loan amount: GHS 1,000 – GHS 15,000
- Repayment period: 91 – 360 days
- Maximum APR: 30%
- Your final offer depends on the information you provide and our credit assessment.

Representative Example
If you borrow GHS 1,500 for 120 days at an APR of 28%:
- Principal: GHS 1,500
- Estimated interest: GHS 138
- Total amount to repay: GHS 1,638
The exact APR, fees and repayment schedule will be shown to you in the app before you accept the loan.

Getting Started with Capital Moni
1. Download the app and sign up with your Ghana mobile number.
2. Verify your identity with your national ID.
3. Provide basic information about your income and where funds should be sent.
4. Browse the loan offer available to you.
5. Accept the terms and wait for assessment.
6. Once approved, the money is sent to your account or mobile money wallet.
Processing times vary based on verification completeness and payment channel speed.