Top Free Finance Apps in Ghana

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GCB Mobile App

GCB Mobile App GCB Mobile App is the best banking app in Ghana. It offers you a complete financial solution that lets you do everything from opening an account to investing in Term Deposits, all from your smartphone or tablet. With GCB Mobile App, you can:
• Secure your account with your fingerprint or face ID
• Pay your ECG bills conveniently using our ground-breaking solution
• Pay for various services from over 100 billers
• Customize your app with dark mode and light mode themes
• Receive real time receipts and alerts for every transaction
• Invest and manage Term Deposits with high interest rates
• Open an Instant account and start sending and receiving money from anywhere
• Request for debit, prepaid and virtual cards with ease
• Use a wide range of self service options including password reset, card transaction limits adjustment, PIN change and more
• Navigate the app easily with a user-friendly interface for old and young customers
GCB Mobile App is safe, secure, and easy to use. Download it today and join the best bank in Ghana. GCB Mobile App , a leading app in the Finance Apps category, boasts a robust user base with a total of 1B installs. It sees impressive engagement with 80M monthly installs and 1M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. GCB Mobile App was first released September 18, 2023, and has been continually updated, with the latest update rolled out just July 23, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 2.7. With 43 reviews, GCB Mobile App maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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Moni Wave-secure loan

Moni Wave-secure loan Moni Wave is a FinTech company that provides financial services to support a better quality of life. We are committed to continue innovating with our partners to promote financial inclusion in Ghana.

The loan services we provide are the following:
Loan Limit: 1000 GHS ~ 10,000 GHS
Loan term: 91 days to 365 days
Maximum annual interest rate: 18% / year (18% / 360 = 0.05% / day)
Other expenses: 0

- For example, if you need to borrow 10,000 GHS, the annual interest rate is 18% (the daily interest rate is 0.05%/day), the loan term is 120 days (4 months), and there are no other charges, except interest, then the fees you must pay are as follows:
- Daily interest = 10000x0.05% = 5 GHS and monthly interest = 5x30 = 150 GHS
- Monthly payment = 10000 / 4 + 150 = 2650 GHS
- Loan maturing in 120 days and your total interest = 150x4 = 600 GHS
- Your total repay amount = 10000 +600 = 10600 GHS
(If you want to borrow more money, you can quickly calculate the appropriate loan fee through the above method, all loan products will not charge additional fees)

[product label]
Moni Wave provides users with convenient, convenient and secure online financial loan services.

[Product Steps]
The requirements to apply for a loan are the following:
- year and more than 20 years
- Ghana citizens
- Have a personal E-wallet in Ghana
- Have a stable job and income your application will be approved quickly, without complications, and the funds will be immediately credited to the user's personal account.

[Tips]
Loans are risky, borrowing should be cautious, make a reasonable loan according to your personal ability to avoid arrears

Quickly select Moni Wave, the most reliable digital wallet in Ghana.
Contact our customer service by:
Email: Waveghanaservice@outlook.com
Address: 4FWJ+R7R, Hohoe, Ghana
Tel: +233 0207759673 Moni Wave-secure loan , a leading app in the Finance Apps category, boasts a robust user base with a total of 358M installs. It sees impressive engagement with 100M monthly installs and 1M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Moni Wave-secure loan was first released December 25, 2024, and has been continually updated, with the latest update rolled out just June 16, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 1.1.6. Moni Wave-secure loan maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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Omanpesa-credit loan

Omanpesa-credit loan Omanpesa provides users with high-limit, fast, safe and convenient loan services.
Loan amount: ranging from 200,000UGX-1,000,000UGX
Loan term: 120 days to 360 days term
Annual interest rate 13%-30%

Example
If you apply for a loan of 200,000, the annual interest rate is 13%, the loan period is 180 days, you need to pay interest is 12821.9, and the total amount is 212821.9
Charge Details
Loan fee (total fee) 200000*13%/360*180=12821.9
Principal amount: 200,000
Total interest: 12821.9
Total amount (principal amount + total interest): 212821.9

Application eligibility requirements
Legal resident of Uganda
Between 20-65 years old
Have a fixed income
Valid Uganda ID

Steps to get a loan
1. Download and register an account.
2. Fill in the basic information and submit.
3. Apply for a loan online and get approved easily.
4. Deposit your loan into your personal account

Safety
Omanpesa uses world-class data security and encryption technology to protect the data you share, and we will never share your information with third parties without your permission.

[Kind tips]
The loan amount, period number and specific interest rate are subject to actual review. Please borrow reasonably according to your needs and consume rationally to avoid overdue payments.

contact us
If you have any feedback, questions or concerns, please send an email
Phone:+256 0771602374
Email:WindmoneyUgandaservice@outlook.com
address:SFSD+269 Bugonga Rd, Entebbe, Uganda Omanpesa-credit loan , a leading app in the Finance Apps category, boasts a robust user base with a total of 552M installs. It sees impressive engagement with 100M monthly installs and 2M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Omanpesa-credit loan was first released January 25, 2025, and has been continually updated, with the latest update rolled out just September 09, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 1.8. Omanpesa-credit loan maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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Gh loans-easy online loan

Gh loans-easy online loan 🚩INTRODUCTION
Gh loans is your trusted companion for instant loans in Ghana. With our easy-to-use app, you can apply for loans swiftly and securely. Whether you need funds for emergencies or aspirations, Gh loans has got you covered. Our streamlined process ensures quick approvals, allowing you to access cash when you need it most. Experience hassle-free borrowing with Gh loans – your reliable financial partner in Ghana. Apply now and unlock the possibilities!


❓WHO CAN APPLY
1. Age above 18 years
2. Citizens of Ghana
3. With a regular source of income

📁PRODUCT FEATURES
Loan Amount: minimum 1000 GHS to maximum 5000 GHS
Loan Term: 92 days to 180 days
Minimum Annual interest Rate(APR): 12%
Maximum Annual interest Rate(APR): 26%

⌨FOR EXAMPLE
①If you apply for a loan of GHS 1,000, the term is 92 days and the annual interest rate is 12%.

Daily interest rate = 12% / 365 = 0.033%,
Interest for 92 days = GHS 1,000 * 0.033% * 92 = GHS 30.36,
Origination fee = GHS 1,000 * 0.05 = GHS 50
Total repayment = GHS 1,000 + GHS 30.36 + GHS 50 = GHS 1080.36

②If you apply for a loan of GHS 5,000, the term is 180 days and the annual interest rate is 26%.

Daily interest rate = 26% / 365 = 0.071%,
Interest for 180 days = GHS 5,000 * 0.071% * 180 = GHS 639,
Origination fee = GHS 5,000 * 0.05 = GHS 250
Total repayment = GHS 5,000 + GHS 639 + GHS 250 = GHS 5889


✉CONTACT US
Number:+233 0538437960
Customer Service Email: Ghloansghanaservice@outlook.com
Address: Unnamed Road, Kumasi, Ghana Gh loans-easy online loan , a leading app in the Finance Apps category, boasts a robust user base with a total of 876M installs. It sees impressive engagement with 90M monthly installs and 2M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Gh loans-easy online loan was first released November 19, 2024, and has been continually updated, with the latest update rolled out just August 13, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 3.1. With 2 reviews, Gh loans-easy online loan maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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MoMo

MoMo New MyMoMo App provides complete oversight of your finances and empowers you to manage your money effortlessly. Experience a secure, user-friendly, and fast service.

Features:
All-in-One Financial Solution:
All your financial needs in one place.
Full visibility of your accounts and total control of your money.

Money Transfers:
Send money locally.
Receive money internationally.

Convenient Services:
Convenient Services.
Pay bills.
Top up mobile services.
Buy transport tickets.
Order food online.
Bank Account Integration:
Link your bank account for seamless transactions.
User-Friendly Transactions:
Easily deposit or CashOut.
Safe, simple, and fast interface.
Global Reach:
The go-to choice for MoMo customers internationally.
Availability:
Now available for download in Ghana. MoMo , a leading app in the Finance Apps category, boasts a robust user base with a total of 4B installs. It sees impressive engagement with 5B monthly installs and 26M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. MoMo was first released August 01, 2024, and has been continually updated, with the latest update rolled out just September 18, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 2.4.7. With 74 reviews, MoMo maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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Quick Cedi

Quick Cedi Quick Cedi: Instant loan Solutions for Ghanaian Residents
Access flexible credit options with competitive rates through our secure digital platform.

Loan ammount Range: 200 - 8,000 GHS
Repayment Period: 91-360 days (3-12 months)
Annual Percentage Rate: 13% - 32% (APR)

Sample Calculation
1,000 loan at 0.0523% daily interest for 180 days:
• Principal: 1,000
• Daily interest rate: 0.0523%
• Interest amount : 1,000 × 0.0523% × 180 ≈ 95
• Total Due: 1,095

Qualification Criteria
✓ Ghana-registered citizen
✓ Aged 20-60 years
✓ Verifiable stable income
✓ Valid national ID/Voter registration

Data Protection Commitment
Your personal information remains strictly confidential. We never share financial data with unauthorized parties or engage in third-party data commercialization.

Responsible Borrowing Guidance
Assess your repayment capacity carefully before applying. Maintain timely payments to preserve credit health.

Customer Support
For inquiries or assistance, contact us: support@QuickCedi.com Quick Cedi , a leading app in the Finance Apps category, boasts a robust user base with a total of 187M installs. It sees impressive engagement with 80M monthly installs and 2M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Quick Cedi was first released March 31, 2025, and has been continually updated, with the latest update rolled out just August 13, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 1.0.2. With 3 reviews, Quick Cedi maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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Loan Base - Online credit loan

Loan Base - Online credit loan Use the Loan Base application to quickly apply for instant loans anytime, anywhere through mobile devices.

Our customer service:
Opening hours: 9am to 6pm (Monday to Saturday)
WhatsApp:+233559132699
Website: www.loanbase.app
E-mail: info@loanbase.app
Address: GS-0166-5884, UNN/House near Aklavia SCC

The benefits of choosing a loan basis: online access, worry free security, multiple payment options available, clear and transparent transactions from application to refund.

1. Product Introduction
Age of use: 20 years old and above
Loan amount: 100-6000
Loan term: 90 days to 365 days
Interest rate: up to 30% per year
Other fees: No additional fees will be charged.

Example loan case:
If you choose loan terms of 2000 days, 365 days, and Do you have to pay on the day, if the other fees are 0 closing date:
On hand amount: 2000
Total interest expense: 2000 * 30%=600
Total invoice amount for due repayment (loan amount+total interest): 2000+600=2600

2. What is the loan basis?
Are you still uncomfortable with loan capital collateral? The money for dating is not enough! Do you want to change your phone number? Don't worry now, Loan Base can solve your problems. Loan Base loan allows you to borrow money and place multiple orders, which can solve your money problems.

3. Who can borrow money?
Loan Base is online loan platforms in Ghana. If you are over 20 years old, have a stable mobile phone number and a stable source of income, you can borrow money (in cash) from Loan Base. We will increase the loan limit and loan term based on your credit score!! The more data you provide, the higher your credit score will be. Just 4 steps to borrow:
1. Download the loan basic application
2. Fill in the information
3. Waiting for review
4. Recovery

4. Privacy Policy
At Loan Base, we use your mobile data, including your personal information, to simplify the process Credit assessment and speeding up the personal loan application process. Our commitment to protecting your data security is unwavering. We ensure that it is securely stored on a protected server and will not be shared with third parties without your consent. For more detailed information on how we protect your privacy, please visit the following link: https://www.loanbase.app/index.html#privacy.

Regulated by the Bank of Ghana (BoG) Loan Base - Online credit loan , a leading app in the Finance Apps category, boasts a robust user base with a total of 346M installs. It sees impressive engagement with 100M monthly installs and 3M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Loan Base - Online credit loan was first released April 18, 2025, and has been continually updated, with the latest update rolled out just August 14, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 1.0.0.0.8. Loan Base - Online credit loan maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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Taploan Up - Online Lending

Taploan Up - Online Lending Get an instant loan of up to GHC 5,000 with Taploan Up!
Apply online in minutes and receive approval in as fast as 5 minutes. Enjoy a seamless, personalized loan experience - no proof of income or ID is required. Download Taploan Up now and get fast cash today!

High Loan Amount
- Get up to GHC 5,000 approved loan amount
- Increase your limit with on-time repayment

Easily Apply
- No income proof, ID documents, or collateral is required
- All processes are carried out online, making the processes simple

Fast disbursement
- Get the money in 5 minutes
- The money is sent directly to your bank account

Related Information
Loan limit: GHC 100 - GHC 5,000
Loan term: 61 days to 365 days
Interest: 0.05% - 0.09% per day
Annual interest rate: Maximum 32.85% per annum (APR)

A borrower who receives GHC 1,000 from Taploan Up with a period of 90 days would need to pay the loan with an interest rate of 0.05%.
The total interest is GHC 1,000 * 0.05% * 90 = GHC 45
The total payment amount is GHC 1,000 + GHC 45 = GHC 1,045
The monthly payment amount is GHC 1,045 / 3 = GHC 348.33

How to Apply
1. Register your account with an active mobile number
2. Fill in the Online Loan Forms.
3. Confirm details and apply for the loan
4. Wait for approval, and the money will be disbursed to your bank account

Loan requirements
- Ghana residents only.
- 18-55 years old.
- Source of a monthly income.

*Note: Always read the Terms and Conditions and the Privacy Policy before proceeding with any transaction.

Contact Us
If you encounter any problems while using the app, feel free to contact us via the following channels:
Website: https://www.supporthubgl.com/
Email: taploanup@supporthubgl.com Taploan Up - Online Lending , a leading app in the Finance Apps category, boasts a robust user base with a total of 190M installs. It sees impressive engagement with 100M monthly installs and 2M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Taploan Up - Online Lending was first released May 09, 2025, and has been continually updated, with the latest update rolled out just July 22, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 1.0.4. Taploan Up - Online Lending maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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SikaSwift Pro

SikaSwift Pro SikaSwift – Your Instant Financial Partner in Ghana!

📱 How It Works

Download & Register in 3 minutes

Submit Documents (ID + Mobile Money Account)

Get Instant Approval → Cash Direct to Mobile Wallet!

🌟 Key Features
• Loan Range: GHS 500 – GHS 20,000
• Flexible Tenure: 3 to 12 Months (91-360 Days)
• Competitive Rates:

Daily Interest: 0.067%

Max APR: 24% (Inclusive of All Fees)

📝 Example for Clarity
» Loan Amount: GHS 15,000
» Tenure: 180 Days
» Total Interest: GHS 15,000 × 0.067% × 180 = GHS 1,801
» Total Repayment: GHS 15,000 + GHS 1,801 = GHS 16,801
Actual terms vary based on risk assessment SikaSwift Pro , a leading app in the Finance Apps category, boasts a robust user base with a total of 100M installs. It sees impressive engagement with 70M monthly installs and 1M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. SikaSwift Pro was first released May 18, 2025, and has been continually updated, with the latest update rolled out just June 18, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 2.0.0. SikaSwift Pro maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.
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Zatuloan-fast cash app

Zatuloan-fast cash app 🎁This is an interesting loan app that allows you to earn points by completing tasks and use the points to pay off the loan when repaying. It not only changes your financial freedom but also increases the fun. Come and try it now!

Why choose Zatu Loan?
- No hidden charges & No collateral needed
- You can choose your payment tenure
- It is secure, reliable and easy to use
- We use special algorithms to run credit scoring

How to Register on Zatu Loan
🔞 Only for over 18 years
- Download the Zatu Loan App
- Fill in your personal data and information
- Determine the loan amount and apply for a loan
- Your money will be transferred directly to your bank account

Loan Product Information:
- Loan amount: 600 - 5,000
- Loan period: the shortest 100 days, the longest 300 days
- Annual interest rate: 13% - 30%
- Service fee, admin & others: 0

For example:
if you apply for a loan of 600 , the loan period is 100 days and the annual interest rate is 13%, then the amount to be paid is 600 + (600*0.036%*100) = 621.6

if you apply for a loan of 5000 , the loan period is 300 days and the annual interest rate is 30%, then the amount to be paid is 5000 + (5000*0.082%*300) = 6230

For more information, contact us at:
Address: Nyaho Nyaho Tamaklo Street, Agbogba, Ghana
E-mail: Zatuloanghanaservice@outlook.com
Number: +233 0500490858 Zatuloan-fast cash app , a leading app in the Finance Apps category, boasts a robust user base with a total of 40M installs. It sees impressive engagement 1M daily installs, reflecting its popularity and usability. The app generates significant monthly revenue, indicative of its effective monetization strategies and user satisfaction. The app supports in-app purchases, allowing users to enhance their experience with additional features and content. Zatuloan-fast cash app was first released July 29, 2025, and has been continually updated, with the latest update rolled out just July 29, 2025. This commitment to regular updates ensures that users always have access to the latest features and improvements. The app and is currently on version 1.0.1. Zatuloan-fast cash app maintains a strong presence in the market, supported by numerous rating votes that attest to its reliability and effectiveness in helping users achieve their Top charts free play goals.