Easy moni

Easy Moni provides online personal loan services for eligible users in Ghana.

With Easy Moni, you can apply for a personal loan from your phone and review the loan amount, repayment period, APR, applicable charges and repayment schedule before submitting your request.
Easy Moni may help users manage short-term financial needs such as daily expenses, bills, business cash flow or emergency spending. Loan approval and disbursement are subject to identity verification, credit assessment and the information provided by the user.

Loan Information
- Loan amount: GHS 1,000 – GHS 10,000
- Repayment period: 91 – 180 days
- Maximum daily interest rate: 0.07%
- Maximum APR: 26%
- Final loan offer may vary based on credit assessment and user eligibility.

Representative Example
If you borrow GHS 1,200 for 150 days at a daily interest rate of 0.07%:
- Principal: GHS 1,200
- Interest: GHS 1,200 × 0.07% × 150 = GHS 126
- Total repayment: GHS 1,326
All applicable loan charges and repayment details will be displayed before you confirm your loan request.

How to Apply
1. Register with your mobile number.
2. Complete identity verification and profile information.
3. Choose your preferred loan amount and repayment period.
4. Submit your loan request for review.
5. If approved, funds may be disbursed to your Ghana bank account or supported mobile money wallet.
Review and disbursement time may vary depending on verification results, user information and payment channel processing.

Eligibility Requirements
To apply, you should:
- Be at least 18 years old.
- Be a Ghanaian citizen or legal resident.
- Hold a valid Ghana national ID or accepted identity document.
- Have an active Ghana mobile number.
- Have a supported bank account or mobile money wallet.
- Have a stable source of income.