Apply now for an instant loan from your phone!

Free app for Android

How Does It Work?

Download the FREE FIDO
APP on Google Play store 1

Apply by filling the loan
application in the APP 2

Receive your money instantly 3

Repay on time and get a higher
amount for your next loan* 4

*Get a 1st loan up to 200 GHS, pay on time to move up the ladder up to GHS2000


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

About Us

Fido Micro Credit (FIDO) is a financial institution based in Accra, Ghana and licensed by Bank of Ghana. FIDO provides fast and easy micro loans, called FIDO Loans. Our customers can apply for a FIDO Loan directly from their own mobile device and receive a credit decision within minutes. The loan is available to artisans, micro enterpreneus and SMEs to grow their businesses. Just a one-time verification of ID and mobile money account is necessary before disbursement of the money. No collateral or guarantors are required.

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. We charge a processing fee which will be disclosed to the customer prior to accepting a loan, and are paid only after you get your money, when your loan is due for repayment.
What can I use the FIDO Loan for?
Customers can use the loans to grow their small businesses. Loans should not be used for illegal activities
What are the eligibility requirements?
To qualify for a FIDO Loan, you need a valid ID and Mobile Money.
  • ID Type: Driver’s License, NHIA Membership, Voter ID, National ID or Passport
  • Mobile Money account: MTN Mobile Money or AirtelTigo Money registered in your name for at least two months.
You must be a resident in Ghana over 18 years of age.
How much is the interest rate?
The interest rate is set to 0.266% per day and decreases with good repayment behavior. The interest amount is displayed in the app before applying.
How long does it take to approve my request?
Within one minute after submission, a credit decision will be shown on the screen.

FIDO app evaluates each loan application and reserve the right to reject some applications. The decision cannot be reversed and we can only recommend you to apply again after 2 weeks.
My request was approved. What do I have to do next?
Please read carefully the instructions displayed in the app when the loan has been approved. The instructions will either inform you to approve the loan agreement within the app to complete the process, or visit a branch for processing. Please see the Contact section for opening hours and directions to our branch.
Where and when will my FIDO Loan be paid?
After fully completing the process, the loan is paid out instantly. We will notify you by SMS of the transfer.
How will I repay the FIDO Loan?
When the loan becomes due, you will have to transfer the money from your wallet following procedure below. To pay with cash, you can visit any Zenith bank branch and deposit to FIDO’s account. Remember to always use your Client ID for payment.
Cash – Zenith bank AirtelTigo Money MTN Mobile Money

Bank: Zenith Bank
Branch: Head Office
Account Name:
FIDO Money Lending Ltd
Account Number: 6010159660

Be sure to write your full name on the deposit slip also give your Client ID (*********) to the teller

(Must be from own wallet)
Dial: *501#
Select: Pay Bill
Select: Savings and Loans
Select: Loans and Loan Repayment
Select: Loan Repayment
Select: Repay Fido Loan
Enter Amount:
Enter Reference: *********
Enter Pin Code: _ _ _ _

(Must be from own wallet)
Dial: *170#
Select: MoMoPay & Pay Bill
Select: Pay Bill
Select: General Payment
Enter Payment Code: Fido
Enter Amount:
Enter Reference:
Enter Pin Code: _ _ _ _
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 be charged 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.
What is the min/max loan amount?
First time borrowers are eligible for a maximum of 200 GHC.

Paying your loan on time can get you a higher amount.

Contact Us

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