Applying for Personal Credit :

Why get personal credit from Fido?

At Fido, we believe getting credit should be fast, easy, and transparent, no long paperwork, no hidden fees, and no waiting around. Here’s why you should choose Fido for your personal credit: FAST – Receive your money within minutes: No delays, no unnecessary steps. Apply and get your funds in...

What are the requirements for applying for personal credit with Fido?

Getting credit with Fido is simple and hassle-free. To qualify, you need to meet the following requirements: Be 18 years old or above. Be a Ghanaian living in Ghana. Have an active mobile money wallet registered in your name. Have a valid Ghana Card in the “GHA” format or a valid Citizenshi...

How do I apply for personal credit with Fido?

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 nu...

How long will it take to approve my personal credit?

Once you complete your credit request and confirm where you’d like to receive the money, the funds will be sent to your wallet in just a few seconds. Make sure to follow all the steps in the app, including selecting the repayment duration and agreeing to the credit terms. Once that’s done, you’...

What is the maximum credit amount I can access from Fido?

As a first-time customer, you can access a credit limit of up to GHS 280. By making timely payments and building a strong financial track record with us, you can improve your credit score and unlock access to a higher credit limit, up to GHS 6,800 from your personal credit line. To check the ma...

What are the fees and interest rates charged on personal credit with Fido?

At Fido, we believe in full transparency when it comes to fees and interest rates. Before applying for credit, you can review all applicable charges in the Fido App, helping you make an informed financial decision. How Interest Rates Work Fido's interest rate is determined based on the num...

What is an installment Credit?

Installment Credit makes repaying larger credit limits easier for Fido customers by allowing them to spread repayments over multiple months instead of making a single payment within one month. Customers who qualify for installment credit will see this option in the Fido app, where they can choos...

How soon can I draw from my credit line after repayment?

Once you fully repay your outstanding balance, you can usually access another credit immediately. However, in some cases, based on our credit approval policy, you may need to wait until your scheduled due date before borrowing again. If you’re unable to draw credit right after repayment, here a...

My credit application was not approved, what can I do?

We understand that not getting approved can be disappointing, but don’t worry, this doesn’t mean you can’t get credit in the future. In most cases, your request was not approved because we don’t have enough information to make a decision. What Can You Do? Check your feedback in the Fido App: ...

My credit was approved! What should I do next?

Congratulations on receiving your personal credit request! This is a great opportunity to build a good relationship with Fido by paying off your credit on time. Doing this will improve your Fido Score and qualify you for an improved personal credit line that offers higher credit limits with lowe...