Capital Moni, operated by KITTYWAVE NOVA TRADING GHANA LTD, puts quick, fair personal loans in your hands — from GH₵ 500 to GH₵ 50,000 — with clear pricing and no hidden fees.
No collateral or guarantor required for most personal loan applications.
A short digital application — easy, convenient and built around your phone.
Apply anywhere, anytime. Our automated credit assessment works around the clock.
Your privacy is our top priority. All information is protected and never misused.
Flexible personal credit options for everyday needs, planned expenses and growth opportunities.
Loan amounts, rates and tenures shown are indicative. Final terms are subject to eligibility, credit assessment and our lending policy. See the loans page for representative cost examples.
From sign-up to repayment, the whole journey is fully digital and easy to follow.
Download Capital Moni, register with your phone number and complete identity verification.
Choose the amount you need, add an account to receive money and submit your application.
Our system completes verification quickly. If approved, funds are transferred to your account.
Repay before the due date to increase your credit limit and avoid late-payment penalties.
Repaid on schedule? Reapply and grow your limit. We look forward to helping you again.
Capital Moni believes borrowing should be transparent and sustainable. We assess affordability responsibly so every loan fits your real financial situation.
A few of the questions we hear most often — find more on the FAQ page.
Ghanaian residents aged 18 or above with a valid government-issued ID, a phone number and a bank or mobile-money account can apply.
After approval, funds are disbursed to your chosen bank or mobile-money account. The exact time depends on your receiving account.
No. Interest and any applicable charges are disclosed before you accept a loan. There are no upfront application fees.
Repaying on or before the due date keeps your account healthy and can raise your limit. Late repayment may incur penalties as set out in your loan agreement.