Fido is a Ghanaian digital financial services app that gives you access to quick loans and also allows you to save, entirely from your smartphone. No branch visit, no long queues, no paperwork. Everything happens in the app in minutes.

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Yes. Fido is a licensed Tier 3 microfinance institution regulated by the Bank of Ghana. You can trust that your money and data are handled in full compliance with Ghanaian financial regulations.

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Fido offers fast, transparent, and accessible digital financial services available 24/7. We provide more than just loans, supporting both individuals and businesses with innovative financial solutions, no hidden charges, and tools that help improve financial wellbeing and credit access.

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Fido offers three products in Ghana:

- Personal Credit — short-term personal loans for individuals

- Business Loans — business loans for small business owners and traders

- EasySave — a savings product that earns you up to 10% interest per year
- Bill Payments and Top ups — Pay your TV subscription directly from the Fido app. Supported providers: DStv, GOtv, and StarTimes.
-Insurance — a) Credit Life Insurance — automatically included with your Fido loan, nothing extra to activate. If you pass away or become permanently disabled while you have an outstanding loan, your remaining balance is covered. Protects you and your family from inheriting the debt.Available to eligible customers.

b) Climate Disaster Insurance — covers losses caused by flooding, drought, storms, and fire outbreaks. Available to eligible customers.

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1. Download the Fido app from Google Play or the App Store

2. Register with your phone number

3. Complete your profile and KYC (identity verification)

4. Answer a short eligibility survey

5. Receive your personalised loan offer

6. Accept and confirm — money is sent to your mobile money account

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The application takes just a few minutes. Once approved, money is sent to your MTN Mobile Money, Telecel Cash, or AirtelTigo Money account quickly.

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- A valid Ghana card
- An active mobile money account (MTN MoMo, Telecel Cash, or AirtelTigo Money)

- A data-enabled smartphone (Android 7+/ iOS 15+) with the Fido app installed

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Loan amounts start small and grow over time as you build your repayment history with Fido. First-time borrowers typically start with smaller amounts. The more you repay on time, the more money you can unlock.

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Fido loans are short-term, typically 10 to 33 days. Your repayment date, total amount due and all fees are shown to you clearly before you accept any offer. We also have installment payments depending on your credit amount.

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Yes. Business owners can apply for funds through the Fido app by selecting the Want More Money option. You may be asked to upload supporting business documents, which can help you qualify for a higher credit limit. The funds can be used to support your business needs, such as stocking inventory, covering operating expenses or growth opportunities.

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You can apply if you:

- Are a Ghanaian resident aged 18 or older

- Have a valid Ghana ID

- Have an active mobile money account registered in your name

- Have the Fido app installed on your smartphone

Once you apply, our system automatically reviews your information using our credit scoring process. Approval is based on your account details and eligibility at the time of application.

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Yes. Fido does not require formal employment. Traders, self-employed individuals, students with income, and gig workers have all successfully applied.

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You can apply again after a waiting period. Fido’s eligibility model considers your current profile at the time of each application.

Fido charges interest and fees on each loan. The total cost — including all fees and interest — is shown to you clearly in the app before you accept. There are no hidden charges.

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No. What you see in your loan offer is what you pay. The repayment amount, due date, and total cost are fully disclosed before you accept.

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No. Once you accept a loan offer, Fido does not add any hidden or surprise charges after disbursement. The terms of your loan are clearly shown before you accept.

Because interest is calculated daily, you may also pay less in interest if you choose to repay your loan early.

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Repayment in Ghana is via mobile money. Your repayment is collected automatically from your registered mobile money account (MTN MoMo or Telecel Cash) on the due date.

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- MTN Mobile Money 

- Telecel Cash

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Contact Fido support through the app as soon as possible if you anticipate difficulty. Late repayment may affect your ability to access future loans and could result in additional charges.

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Yes. Consistent on-time repayments help you qualify for larger loan amounts over time. Your Fido credit history grows with every successful repayment.

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Yes. Fido is regulated by the Bank of Ghana. Your personal data is kept secure and is not shared or sold. We use it only to assess your loan eligibility and manage your account.

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Yes. Download the Fido app on Google Play (Android) or the Apple App Store (iOS).

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The quickest way is through the Fido app — open the app, go to Help or Support, and send us a message directly. Our Ghana-based support team is ready to assist you.

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- Loan application questions or status

- KYC issues

- Repayment queries or difficulties

- Account or mobile money issues

- Questions about EasySave

- Complaints or disputes

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Yes. You can contact Fido's customer support team by phone on +233 596 922420 for assistance with your account, loans, repayments, or any other questions.

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Yes. You can reach Fido by email at info@fido.money. Our team will be happy to assist you with any inquiries or support requests.

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Yes. You can contact Fido on WhatsApp at +233 596 922420 for support, inquiries, and assistance with your account.

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Fido's customer support team is available Monday to Friday, from 8:00 AM to 5:00 PM.

Outside of support hours, you can still access the Fido app anytime, 24/7, to apply for credit, manage your account, make repayments, and use other available services.

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