How It Works — Capital Moni

Step by step

Your journey, from sign-up to reapply

Register and verify

Download Capital Moni, register with your phone number and fill in your personal information for identity verification.

One-time registration with your active phone number
KYC verification using your government-issued ID
Your data is encrypted and handled under our privacy policy

Apply for a loan

Choose the loan amount you need according to your needs, and add an account to receive money. You can apply for a loan and view the verification results.

Select any amount between GH₵ 500 and GH₵ 50,000
Choose a tenure that fits your cash flow
Add the bank or mobile-money account for disbursement

Get a loan

We complete the verification process quickly. If approved, we transfer the money to your account.

Automated credit assessment with 7×24 online review
Approved funds sent to your chosen account
You will be notified of the result in the app

Pay off the loan on time

To increase your credit limit and avoid penalties, you must repay your loans on time before the due dates.

Clear repayment schedule shown in the app
Repay from your bank or mobile-money account
On-time repayment unlocks higher limits and loyalty benefits

Reapply for a loan

We are happy to help you achieve the life of your dreams and look forward to helping you again.

Reapply directly from the app after repayment
Build a positive credit history with Capital Moni
Eligible customers may access larger amounts over time

Inside the app

A clean, guided application

The Capital Moni app guides you through every step — from choosing your amount and tenure to seeing your estimated interest and total repayment before you submit.

✓Amount slider from GH₵ 500 to GH₵ 50,000
✓Tenure options from 3 to 24 months
✓Estimated interest and total repayment shown upfront
✓Identity verification status tracked in real time

Compare loan products →

Capital Moni — verify with your ID, entirely in the app

Five simple steps to funding