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Loan products

Three loan options, one simple process

Whether you need quick cash for an urgent expense or a larger installment loan for a bigger plan, Capital Moni has a product shaped around your needs — with transparent pricing you can see before you commit.

Compare products

Choose the loan that fits

Amounts, tenures and indicative interest ranges below. Your final offer depends on your credit assessment.

Popular

Quick Cash

GH₵ 500 – GH₵ 5,000
Tenure: up to 3 months
Indicative APR: 18% – 28%
  • Small, short-term personal loan
  • Fast digital disbursement
  • Ideal for urgent everyday needs
  • Repay in monthly installments
Apply now
Flexible

Installment Plus

GH₵ 1,000 – GH₵ 20,000
Tenure: 3 – 12 months
Indicative APR: 18% – 28%
  • Medium-term installment loan
  • Up to 12 months repayment
  • Fixed, predictable payments
  • For planned expenses and bills
Apply now
Growth

Progress Loan

GH₵ 5,000 – GH₵ 50,000
Tenure: up to 24 months
Indicative APR: 18% – 26%
  • Larger amounts for bigger plans
  • Up to 24 months tenure
  • Loyalty benefits on reapply
  • For investments and major expenses
Apply now

Indicative annual percentage rates (APR) shown are representative ranges. The actual rate offered depends on your application, credit assessment and selected amount and tenure.

At a glance

Product comparison

Everything you need to compare the three products side by side.

Feature Quick Cash Installment Plus Progress Loan
Loan amountGH₵ 500 – 5,000GH₵ 1,000 – 20,000GH₵ 5,000 – 50,000
TenureUp to 3 months3 – 12 monthsUp to 24 months
Indicative APR18% – 28%18% – 28%18% – 26%
Collateral requiredNoNoNo
Upfront application feeNoneNoneNone
DisbursementBank or mobile moneyBank or mobile moneyBank or mobile money
Best forUrgent short-term needsPlanned expensesLarger goals & growth
Know your cost

Representative cost examples

See how interest and total repayment are calculated. These examples are illustrative — your actual terms depend on your credit assessment.

Loan amount Tenure (days) APR Interest (calculated) Total to repay
GH₵ 2,000120 days18%GH₵ 118.36GH₵ 2,118.36
GH₵ 10,000240 days24%GH₵ 1,578.08GH₵ 11,578.08
GH₵ 20,000360 days26%GH₵ 5,128.77GH₵ 25,128.77

Calculation method: interest = loan amount × APR × tenure days ÷ 365 (annual rate basis). Figures are rounded to two decimal places. Late repayment may incur additional charges as set out in your loan agreement. Representative example only — final terms are subject to eligibility, credit assessment and our lending policy.

Repayment

Repay on a schedule that works for you

Choose a repayment period that fits your payday and keep track of every installment in the app — amounts, due dates, interest and fees are all shown before you confirm.

  • Flexible tenures from 3 to 24 months
  • Clear due dates and installment amounts
  • Fee details shown before withdrawal
See the application flow →
Capital Moni — loan plan and repayment schedule
Eligibility

What you need to apply

Basic requirements

  • Ghanaian resident aged 18 or above
  • Valid government-issued ID (e.g. Ghana Card or passport)
  • Active phone number for registration and verification
  • Bank account or mobile-money account to receive funds
  • Regular income source (employment or business)

Application checklist

  • Download the Capital Moni app from Google Play
  • Register with your phone number
  • Complete identity verification (photo of your ID and a selfie)
  • Add the bank or mobile-money account you want funds sent to
  • Choose your amount and tenure, then submit

Ready to apply?

Start your application in minutes — or contact our support team first if you have questions.

Apply now How it works