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  • S‑Instant Cash screenshot 1
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About S‑Instant Cash

S‑Instant Cash is an online instant personal loan platform that allows you to get instant credit in minutes.
You can get a loan of up to GH₵20000, and the process is fast, simple and secure.

If you are looking for a friend who can easily borrow money without any excuses, the financial function in S‑Instant Cash wallet will be your best friend.

Production:
Loan amount: GH₵5000 to GH₵80000
Minimum loan term: 6 months
Maximum loan term: 48 months
Maximum annual percentage rate (APR): 35% per annum
Administration fee: GH₵80 to GH₵8000, depending on the Loan conditions and amount.
GST: 18% Admin fee

Representative example:
If the loan amount is GH₵6000, the annual interest rate is 25%, and the term is 120 days, the interest will be charged as follows.
Interest = GH₵6000 x 25% / 365 x 120 = GH₵493
Management fee = GH₵100
VAT = GH₵100 x 18% = GH₵18
The cost for 120 days is GH₵6000 + GH₵493 + GH₵100 + GH₵18 = GH₵6611.
Annual interest rate = (GH₵6611 - GH₵6000)/GH₵6000/120 x 365 = 30.97%

Why choose S‑Instant Cash’s financial wallet?
1. Instant Personal Loan – The loan amount will be paid directly to your account within 15 minutes. Since the process is 100% online, you can make money anytime, anywhere.
2. Efficient: We process your instant loan application quickly, without paperwork and frustration, as we adapt to your needs.
3. Secure: Your data is safe with us. It is sent to our servers over a secure HTTPS connection and we will not share it with anyone other than the lender without your consent.

Verification:
1. You must be a Ghana citizen.
2. You must be 18 years of age or older.
3. You must have a stable source of income every month.

What should you do first?
1. Download and install the S‑Instant Cash app on the Google Play Store.
2. Create an account
3. Upload your KYC documents.

Privacy policy address: https://instant.ayab71.top/gw/service_privacy.html
Account cancellation address: https://instant.ayab71.top/gw/service_account.html

If you have any questions, please contact us via:
[email protected]
2GC6+2CQ, Bamahu, Along UBIDS Road, Wa, Ghana

What’s new

Version 1.0.0 · Updated September 17, 2026

Online‑loan app with a user‑friendly interface

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