EasyRate Loan

With EasyRate Loan, you can apply for a personal loan directly from your phone and review the loan amount, repayment period, APR, all applicable fees and the full repayment schedule before you confirm your request.
We believe borrowing should be transparent. That is why every applicable charge — interest and any other costs — is shown clearly on screen before you submit. No hidden deductions, no unclear terms.
EasyRateLoan may help you cover short-term needs such as bills, medical expenses, business top-ups or unexpected costs. Loan approval and disbursement are subject to identity verification, credit assessment and the accuracy of the information you provide.

Loan Information
- Loan amount: GHS 500 – GHS 8,000
- Repayment period: 91 – 360 days
- Maximum APR: 26%
- Final offer may vary based on your credit assessment and eligibility.

Representative Example
If you borrow GHS 1,200 for 150 days at a daily interest rate of 0.07%:
- Principal: GHS 1,200
- Estimated interest: GHS 126
- Total amount to repay: GHS 1,326
The figures shown are estimates. Calculations may involve rounding of decimals, so the final amount may vary slightly. The actual amount displayed in the app shall prevail.
All applicable charges and repayment details are displayed in the app before you confirm the loan.

How EasyRateLoan Works
1. Register with your mobile number.
2. Complete identity verification and basic profile information.
3. Browse available loan offers and select your amount and tenure.
4. Review the full cost and repayment schedule.
5. Submit your application for assessment.
6. If approved, funds are disbursed to your Ghana bank account or supported mobile money wallet.
Review and disbursement times may vary depending on verification results and payment channel processing.

Eligibility Requirements
To apply, you should:
- Be at least 18 years old.
- Be a Ghanaian citizen or legal resident.
- Hold a valid Ghana national ID or accepted identity document.
- Have an active Ghana mobile number.
- Have a supported bank account or mobile money wallet.
- Have a stable source of income.