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Freelancers need loans that adapt to variable income. Discover the best personal loans that offer flexibility and fast access to funds in this guide.
APR
22.75–30.0%
Amount
₵2k–₵700k
Salaried worker on government payroll or profiled employer
Ghana Card (Ecowas ID)
Recent 3 months payslips
Term: 12–60mo
APR
7.03–30.03%
Amount
₵500–₵1M
Absa account holder
6 months employment
Permanent staff or fixed-term contract
Term: 6–96mo
APR
25.83–32.0%
Amount
₵800–₵350k
Salary account with Standard Chartered
Minimum 6 months employment
Credit life insurance required
Term: 12–72mo
APR
—
Amount
—
OmniBSIC account holder
Salaried worker
6 months payslips
Term: ≤36mo
APR
—
Amount
₵2k–₵500k
Profiled employer
6 months confirmed employment
Stanbic account (1 month minimum)
Term: 12–72mo
APR
22.0%
Amount
Up to ₵450k
Fidelity Bank account holder
Salaried worker
6 months minimum employment
Term: 6–84mo
