Fido

Fido is a fast, secure mobile lending app licensed by the Bank of Ghana. Whether you run a small business or need quick cash, Fido gives you instant access to mobile credit or business loans—no paperwork, no hassle.

✓ Get a business loan up to GHS 8,500
✓ Instant mobile credit from GHS 50 to GHS 6,800
✓ No paperwork. No collateral. No bank needed.
✓ Trusted by millions, licensed by the Bank of Ghana
✓ Flexible repayments that work for you

Apply in minutes with your ID and start building your financial future. Use your loan to grow your hustle, handle daily needs, or unlock new opportunities.

Fido supports MTN, Telecel, and AT for both receiving your loan and making repayments.

Why Fido?
* 24/7 application
* Transparent interest, no hidden fees
* Loan approval based on your Fido Score
* Safe & private (ISO 27001 certified)

Need credit fast? Fido gives you mobile credit and business loans in minutes — no paperwork, no delays. Download now and take control of your finances with Fido. Your money, your future.

Here's what we offer:
1️⃣ Fido Business: Boost your business growth with Fido Biz Loans, offering up to GHS 5,000 to move your business forward.

2️⃣ Fido Score: Build your financial track record and control of your finances with Fido Score. Take actions to improve your Fido Score and unlock improved offerings from Fido and our partners.

3️⃣ Personal Credit: Get an instantly pre-approved GHC100-3,500 credit line to meet your needs. It's fast, easy, simple and transparent.

4️⃣ Fido Payments: Pay bills, buy data, and airtime effortlessly. Each purchase improves your Fido Score.

5️⃣ Refer and Earn: Spread the word and invite your friends and family to join the Fido community and earn rewards.


Here’s how to sign up to Fido:
👉 Download the Fido App and register only once.
👉 Confirm your details with a valid ID (NIN / Ghana Card) and an address.
👉 You must be over the age of 18.
👉 Complete the Fido Score assessment.
👉 If you are a business, complete you business information.
👉 Kindly note Minimum Repayment period: 90 days and Maximum Repayment period: 180 days.
👉 We accept MTN, AT & Vodafone Mobile Money wallets.


Here’s how to repay:
👉 Log into the Fido App, select the 'Make a Payment' button and follow the prompts.
👉 You can also dial *998# to repay.
👉 For other options like using the MTN, AirtelTigo and Vodafone menus, find the repayment process in the Fido App 'Help' section.

Beware of Fraudsters:
❌ Don’t pay any deposits to any agents, Fido is a 100% mobile app!
❌ Don’t use a mobile money number that does not belong to you.
❌ Don’t use someone else’s Ghana Card.
❌ Don’t apply for someone else.

Fido personal credit and business loans are intended to assist entrepreneurs and individuals with their everyday needs and not to service long-term debt obligations. Maximum Annual Percentage Rate (APR) for the highest loan amount is 70%. This is based on an interest of 0.299% per day. Processing fee per credit is 26 GHS, and Deductible Commitment fee is 1.4%.

Representative Example:
A borrower who receives 3,500 GHS credit for a 180-day term, will be charged an interest rate of 0.299% per day, thus 1,203 GHS in 180 days, and a processing fee of 26 GHS, summing up to a total repayment of 4,729 GHS. A deductible 1.4% commitment fee is applied, and 49 GHS will be deducted from the principal.

‏In summary: 3,500 GHS (borrowed amount), minus 49 GHS (commitment fee) + 1,203 GHS (interest) + 26 GHS (processing fee) = 4729 GHS (total payment).
The borrower has the flexibility to make early repayments at any point which may reduce the above-stated interest.

Contact us at +233-0596922420 / www.fido.money for more details.

The privacy and confidentiality of your personal information and data is important to us. We are certified by the Data Protection Commission and hold an ISO 27001 certification.

Find out more: https://www.fido.money/legal-pages/privacy-policy-statement