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 (first loan only)

4. Recieve 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 cutting-edge financial institution based in Accra, Ghana, providing fast and easy short-term loans, called a FIDO Loan. Customers can apply for a FIDO Loan directly from their mobile device and receive a credit decision within minutes. The product 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.

Fido, the Latin word for faithful, was chosen to reflect our different approach to financial services. We extend our service on the basis of mutual respect and trust. Customers that enter into a credit agreement with Fido bind themselves to the commitment to repay. Similarly, we commit ourselves to keeping our customer's trust and providing dependable financial services.

Frequently Asked Questions

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
  • Original bank statement for valid deposit account with a commercial bank in Ghana
  • 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 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 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 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!