Frequently asked questions
Everything you need to know about loans with NovaCedi.
You only need a valid Ghana Card (national ID) and a mobile money wallet. No bank statements, no guarantors, no paperwork.
Once approved, we send money straight to your Mobile Money wallet. Usually very fast.
Our APR ranges from 1.5% to 19.65%. No hidden processing fees. Pay early? No penalties.
Yes. We serve customers nationwide — all you need is a phone and an active Mobile Money account.
Repayments via Mobile Money. Pay before the due date. Need more time? Call us in advance.
Yes. No penalties for paying early. Call or WhatsApp us and we'll tell you exactly what's left.
Your data is safe. We're licensed by Bank of Ghana and follow strict data protection rules. We never sell your data.