You can easily repay your credit through the Fido App or by dialing *998#. We offer flexible repayment options, including early repayment with reduced interest for all customers.

Learn about alternative repayment channels here.

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Creating your Fido Account is simple and easy!

• Download the Fido App here, available on Google Play and the Apple App Store.
• Register using your mobile number and confirm with the OTP sent to your phone.
• Next, verify your identity with your Ghana Card and apply for credit directly through the app.

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Fido offers:

• Fast approval within minutes.
• Convenient application process anytime, anywhere.
• No application fees, collateral, or guarantors.
• Transparent pricing with no hidden fees.

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To apply for credit with Fido, you need to meet the following requirements:

• You must be a Ghanaian living in Ghana.
• You must be at least 18 years old.
• Have an active mobile money wallet, registered in your name.
• Have a valid Ghana Card.

To enjoy FidoBiz, we additionally require you to submit documents that show your business existence and ownership. These documents such as business registration, utility bills and financial statements help us determine if you qualify for a higher credit limit for your business. Learn more about documents needed for FidoBiz here.

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Fido offers:

• Personal Credit: Quick and easy access to credit for your personal needs.
• FidoBiz Credit: Tailored credit solutions for registered business owners to help grow and manage their businesses.
• Top-up Services: Conveniently purchase airtime and data bundles across all mobile networks in Ghana. You can also pay bills with providers such ECG, Ghana Water, DSTV, GoTV and more.

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FidoBiz is a tailored credit solution for registered business owners in Ghana, designed to help you grow and manage your business with up to GHS 6,500 in business credit. To qualify, you must be a registered business owner in Ghana. Learn more about applying for FidoBiz Credit here.

Apply for FidoBiz today and unlock your business's potential! FidoBiz is available to both existing and new Fido customers. It offers a quick and hassle-free way to get business financing with no collateral required.

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Fido Score is a tool that helps you unlock larger credit limits and better terms by building a good credit history.

You can improve your Fido Score by providing additional financial and personal information. Learn more about Fido Score here.

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For personal credit: Fido offers short-term credit starting at GHS 280 for new customers and up to GHS 4,000 for returning customers. The specific credit amount offered will depend on your Fido Score.

For FidoBiz: Fido offers short-term business credit starting at GHS 1,500 for new customers and up to GHS 6,500 for returning customers. The specific credit amount offered will depend on your business's eligibility.

To check your eligibility and the specific credit amount you can access, simply log in to the Fido App. You can learn more about increasing your Fido Score and accessing higher credit amounts here.

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Our fees and interest rates are personalized based on your unique Fido Score, and reduces over time as your eligible loan amount increases. You can view the specific interest rate and fees applicable to you before accepting your loan offer in the Fido App. Fido maintains a transparent fee structure, ensuring you have all the necessary information to make informed financial decisions. Learn more about increasing your Fido Score to get better credit terms here.

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Timely repayments are important for maintaining a good Fido Score. Late repayments may incur penalties, and outstanding debts may be subject to legal action.

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You can refer friends and family to Fido by sharing your unique referral code or link.

• Referral code: Share your code with your friends and family. They'll need to enter this code when signing up on the Fido App.
• Referral link: Share your unique link, which allows your friends and family to download the Fido App directly.

You can find your referral code and link on the Home Page or Profile Page of the Fido App. Look for the "Invite friends" option. Learn more about Fido's referral program here.

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Yes, Fido is licensed as a Tier 3 Microfinance Institution (Micro Credit Company) and is regulated by the Bank of Ghana. 

Fido adheres to international standards for information security (ISO/IEC 27001:2013) and data protection (Data Protection Act, 2012). You can read our privacy policy here.

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