Apply now for an emergency loan from your phone!

Free app for Android and Java-enabled phones.

How Does It Work?

1. Download the mobile app @

2. Apply on your phone
& get approved within minutes
Watch a video to show you how to apply

3. Visit our office
bring your ID and bank statement (not required for Airtel Money, Tigo Cash or returning customers)

4. Receive the cash
within one business day

5. Easy Repayment
automatic deduction from your account


  • Fast
  • Easy
  • Secure
  • Anytime, anywhere
  • No application fees
  • No collateral
  • No guarantors
  • No wahala!

About Us

Fido Money Lending Limited (FIDO) is a financial institution based in Accra, Ghana and licensed by Bank of Ghana. FIDO provides fast and easy short-term loans, called FIDO Loans. Our customers can apply for a FIDO Loan directly from their own mobile device or in FIDO's branch and receive a credit decision within minutes. The loan is available to salaried, contracted and self-employed professionals. No collateral or guarantors are required - just a one-time verification of ID and bank account is necessary before disbursement. Our customers can receive their cash within 1 business day.

Frequently Asked Questions

Is FIDO authorized to provide loans in Ghana?
Yes. FIDO is licensed by the Bank of Ghana to provide loans.
What are the fees to use Fido?
There are no upfront fees for using the Fido mobile app or applying for a FIDO Loan. Any fees associated with the loan will be disclosed to the customer prior to accepting a loan and are paid only after you get your money.
What can I use the FIDO Loan for?
FIDO Loan is a flexible solution intended to alleviate temporary cash shortfalls. Customers can use the proceeds for any purpose, with the exception of illegal activity.
What are the eligibility requirements?
To qualify for a FIDO Loan, you must meet the following criteria:
  • One of the following: Drivers License, NHIS Membership, Voter ID, National ID or Passport
  • Bank customers: Original bank statement for valid deposit account with a commercial bank in Ghana
  • Airtel Money: Statement not required
  • Tigo Cash: Statement not required
  • Ghana resident over 18 years of age
  • Mobile phone with internet connection
How long does it take to approve my request?
Under normal circumstances, our system will be able to provide a credit decision within just a few minutes of submitting your application. You will be notified of the decision through the mobile application so be sure to look in the 'Check Status' menu option after submission.
My request was approved. What do I have to do next?
First time customers of Fido will be required to verify their identity and bank or mobile money account at our branch offices prior to formally accepting the loan offer. Please see the Contact section for directions and opening hours.
Where and when will my FIDO Loan be paid?
Once you have been approved for a loan and completed all the necessary steps, Fido will deposit the money into your bank or mobile money account. It will take approximately one business day to complete the transfer and we will notify you of the transfer.
How will I repay the FIDO Loan?
When the loan and interest become due according to your loan agreement, Fido will automatically draw the funds directly from your bank or mobile money account under the Direct Debit Mandate you have signed.
What will happen if I can't repay the FIDO Loan on-time?
Please contact us with any issues related to the repayment of your FIDO Loan. Customers will incur additional penalties for late repayments. Fido reserves the right to take any legal action to recover outstanding debts and report delinquent borrowers to the appropriate agencies and/or authorities.

Contact Us

Connect with Fido!