Straight answers about eligibility, applications, repayment, fees and privacy. Can't find what you need? Contact our support team.
Ghanaian residents aged 18 or above with a valid government-issued ID, an active phone number and a bank or mobile-money account can apply. Each application is assessed individually.
No. Capital Moni loans are guarantee-free for most applications — no collateral and no guarantor required.
You will need a valid government-issued ID (such as your Ghana Card or passport) for KYC verification, and a bank or mobile-money account to receive your funds.
Download the Capital Moni app, register with your phone number, complete identity verification, choose your amount and tenure, and submit. The whole process is digital and usually takes just a few minutes.
Our automated credit assessment works 7×24. Most applications receive a decision quickly after submission — review results are shown in the app.
Approved funds are transferred to the bank or mobile-money account you added during the application. The arrival time depends on your receiving account.
Applications are assessed on several factors including identity verification, affordability and risk checks. If your application is declined, you can contact support to understand more.
Repay directly from the app using your bank or mobile-money account. Your repayment schedule shows the due dates and amounts clearly.
There are no upfront application fees. Indicative APRs range from 18% to 28% depending on the product, and your total cost — interest plus any applicable charges — is shown before you accept any loan.
Late repayment may incur penalties as set out in your loan agreement, and may affect your credit limit and future applications. Repaying on time protects your credit history and can unlock higher limits.
Yes, you can repay before the due date from the app. Repaying early may reduce the total interest you pay — check the details in your loan agreement.
Yes. Your data is protected with 128-bit SSL encryption in transit, restricted internal access and OTP verification. We process personal data in line with Ghana's Data Protection Act, 2012 (Act 843). Read our full privacy policy.
Email support@kittywavenova.com on weekdays from 9:00 AM to 6:00 PM (GMT), or use the contact page.
Our support team is happy to help you before, during and after your loan.
Contact support