Applying for personal credit with Fido is quick, easy, and entirely online through the Fido App. Follow these steps to get started:
Register
- Install the Fido App from the Google Play Store or Apple App Store using this link: DOWNLOAD.
- Register your Fido Account by providing a valid mobile number and wait for the one-time code (OTP) we will send to your phone number.
- Enter the OTP to verify your phone number.
- Set a 4-digit PIN code that will be used every time you log into your Fido account. Make sure it’s a number you will remember.
Verify
- Verify your identity by selecting ‘Start now’ to go through a quick verification process.
- Allow camera permission on your phone and submit a selfie from the Fido App. Make sure to follow the instructions on the screen for a successful selfie capture. Check out our selfie guidelines.
- Next take a front photo of your Ghana card, making sure your card details are visible and fit in the frame provided. Your Ghana card can also be uploaded from your phone gallery.
- Check the Ghana Card number extracted from the photo to be sure it is correct and in this format: GHA-***-.
- Submit your address details to complete your account verification.
More about account verification
Request Credit
- From the Home Page of the app, select ‘Draw now’.
- After KYC verification, calculate your Fido Score by answering the questions that follow. Once you receive your score, you can proceed to request credit or draw from your approved credit limit.
- Accept and approve all permission requests.
- Select the amount you want to draw and the credit term.
- You will be given a proposed repayment date. You have the flexibility to pick an alternative date using the calendar feature. You can choose between 10-33 days for your initial credit term and up to 6 months installments for returning customers.
- Thoroughly read through your agreement form before confirming the terms and conditions.
- If your application is successful, review and accept the credit terms. For full details, select the 'Loan Agreement' link on the confirmation screen to open a PDF copy of the agreement. This allows you to thoroughly review all terms and conditions before finalizing your acceptance.
- Add a payment method to tell us which account the funds should be sent to. Remember that the payment account you add must be registered in your name.
Learn more about payment methods
Fraud Awareness
Remember that the only way to apply for personal credit is through the Fido App (it's absolutely free). This process cannot be influenced by any individual. You should never pay money to anyone under any circumstances to get credit with Fido. Fido will never ask for any form of cash deposit before processing your credit application.
Here's a short video on how you can apply for credit.