FinanceHero / Ghana / Loans
Compare loan amounts, repayment periods and published costs. Your individual offer determines what you pay.
Personal loans
| Loan | Amount | Term | Stated interest / APR | Fees / insurance | Requirements | Key caveat |
|---|---|---|---|---|---|---|
Absa Bank GhanaDirect Personal Loan | Minimum: Not available Maximum: GHS 1,000,000 | 6-96 months, subject to approval. | Not available APR: Not available | Processing: Direct A: 2.50%; Direct B: 2.75%. Confirm applicable variant. Insurance: Credit life listed at 1.35%; premium base and offer amount need confirmation. Other: Not available | Unsecured. | Rate and total cost depend on your offer. Direct A/B arrangement fee differs; confirm salary-account history and net payout. |
Stanbic Bank GhanaFixed Term Loan | Minimum: GHS 2,000 Maximum: GHS 10,000 | 12-48 months. | Not available APR: Not available | Processing: Not available Insurance: Credit life included; premium not verified. Other: Not available | Unsecured. | FTL maximum is GHS 10,000; the GHS 500,000 headline belongs to RTL. Interest, fees and total cost need a quote. |
Checked: 7 Oct 2026 · Sources: absa.com.gh · stanbicbank.com.gh
Salary loans
| Loan | Amount | Term | Stated interest / APR | Fees / insurance | Requirements | Key caveat |
|---|---|---|---|---|---|---|
Stanbic Bank GhanaSalary Advance | Minimum: GHS 100 Maximum: Not available | Monthly repayment / 30-day clean-up cycle; full settlement when salary is paid. | Interest charged on amount used; numeric rate not verified. APR: Not available | Processing: 2% of approved limit, minimum GHS 50, on the facility and at each renewal. Insurance: 1% of facility limit. Other: Not available | Stanbic salary current account: one month for Workplace Banking, three months for other qualifying customers. | Overdraft up to 50% of disposable net salary. Renewal fee and insurance apply in addition to interest; no all-in cost established. |
GCB BankSalary Advance | Minimum: GHS 100 Maximum: GHS 20,000 | 30 days; single repayment. | Not available APR: Not available | Processing: Not available Insurance: Not available Other: Not available | GCB salary/current account; new customers need three salary credits; qualifying savings customers migrate through app. | Limit also capped at 80% of net salary. Interest, fees and insurance not verified; obtain total repayment before accepting. |
Checked: 7 Oct 2026 · Sources: stanbicbank.com.gh · gcb.com.gh
Fees may exclude statutory charges.