Fido is an innovative financial service provider licensed by the Bank of Ghana, Bank of Uganda, and the National Credit Regulator of South Africa. Our mission is to transform how individuals and entrepreneurs across Africa create, manage, and grow wealth. With Fido, you can enjoy instant access to financial services, including business and personal loans, savings products, and simple, cost-effective payment solutions. Additionally, you can build a financial track record using the Fido Score, empowering you to unlock enhanced financial opportunities from Fido and its partners.

Our Services:

1️⃣ Fido Business Loans
Fuel your business’s growth with Fido Biz Loans, offering up to GHS 5,000 to help your business scale and thrive.

2️⃣ Fido Score
Track and improve your financial credibility with Fido Score. Boost your score by managing your finances well, and gain access to better offers from Fido and its partners.

3️⃣ Fido Savings
Secure your future with high-interest savings products that let your money grow while preparing for your long-term goals.

4️⃣ Personal Credit
Get pre-approved credit lines ranging from GHC 100 to GHC 3,500 instantly. It’s fast, simple, and transparent, ensuring you meet your personal needs with ease.

5️⃣ Fido Payments
Easily pay bills, purchase airtime, and data bundles. Each transaction helps improve your Fido Score, contributing to better financial offers.

6️⃣ Refer & Earn
Invite friends and family to join Fido and earn rewards for spreading the word about our services.

How to Sign Up for Fido:

• Download the Fido App and register once.
• Verify your identity using a valid Ghana Card or NIN and your residential address.
• You must be at least 18 years old to qualify.
• Complete your Fido Score assessment.
• If you’re a business, provide your business information.
• Loan repayment periods range from a minimum of 90 days to a maximum of 180 days.
• We accept payments through MTN, AirtelTigo, and Vodafone Mobile Money wallets.

How to Repay Your Loan:

• In-App Repayment: Log into the Fido app, select “Make a Payment,” and follow the instructions.
• USSD Option: Dial *998# to make your repayment.
• You can also repay using the mobile money menus of MTN, AirtelTigo, and Vodafone. Detailed steps are available in the Fido app’s “Help” section.

Important Safety Tips:

❌ Do not pay any deposits to agents. Fido operates entirely through its mobile app.
❌ Only use your personal mobile money number for transactions.
❌ Ensure that your Ghana Card is your own.
❌ Do not apply for loans on behalf of others.

Loan Details:

Fido offers personal and business loans designed to meet short-term needs. Our loans are not intended for long-term debt obligations. The maximum Annual Percentage Rate (APR) on loans is 70%, with a daily interest rate of 0.299%. A processing fee of GHS 26 applies per credit, along with a 1.4% deductible commitment fee.

Example Loan Repayment:

For a loan of GHS 3,500 with a 180-day repayment term, the daily interest of 0.299% results in GHS 1,203 in interest over 180 days. Including the processing fee of GHS 26, the total repayment amount would be GHS 4,729. A 1.4% commitment fee of GHS 49 is deducted from the principal, leaving you with GHS 3,451. You can repay early to reduce the interest charged.

Summary:

Loan amount: GHS 3,500
Minus commitment fee: GHS 49
Plus interest: GHS 1,203
Plus processing fee: GHS 26
Total repayment: GHS 4,729

Early repayments are allowed, which may reduce the total interest.

For more information, contact us at +233-0596922420 or visit www.fido.money.

We prioritize the privacy and security of your data. Fido is certified by the Data Protection Commission and holds ISO 27001 certification.