Getting a Quick Employee Loan in Ghana

employee loan in ghana

Nothing is more stressful than when you need money to attend to your urgent needs and you don’t know where to turn to. In such a situation, everything is capable of irritating you. Yes, it’s a situation that you wouldn’t even wish for an enemy. This situation is not just mentally draining but also emotionally challenging and frustrating.  

But the question is, did you know that you can get an instant loan to attend to those needs? Well, SRF Micro Credit makes that possible. We provide you with a quick and reliable employee loan without any collateral. Yes, it’s authentic. 

Here are the Requirements

1. Be an employee

Just prove to us that you are an employee of a reputable company or an organization by presenting to us your payslips, staff ID, employment letter, or any other document that confirms your employment status.

2. Have an active salary account

As an applicant, you must also have a valid salary account with a reputable bank which must be at least six (6) months old. In other words, you should be able to provide us with your latest three months’ bank statements. 

3. The loan term is 1 – 18 months

A loan taken must be repaid within a 1 – 18 month period with a monthly repayment plan of not more than 40% of your net salary.

4. Undertaking letter

You will also need to provide us with a letter of undertaking prepared and signed by the institution you work for. 


1. No savings/ initial deposit

As an applicant, you are not required to do any savings or deposit an amount of money with SRF before you can access our loan. Just confirm your employee status to us and you are good to go. 

2. No collateral is needed

We don’t demand any form of collateral from you because we understand our customers’ situations and so we make it easier and straightforward for them. 

3. Flexible repayment plan

Paying back the loan is very flexible. We give you enough time to pay back, including a grace period.

Also, the repayment is based on “reducing balance”. This means that you will not be paying a flat rate but the amount you pay monthly reduces as the principal reduces. In other words, your previous installment is usually bigger than the subsequent one. 

4. Fast and reliable

Once we verify your submitted documents and they meet our requirements, we will schedule an assessment with you after which the loan is approved and disbursed to you within 48 hours. You can choose to receive the money either through mobile money or cash. 

5. Simple and convenient

We subscribed to technology because we understand the power of technology. Hence we make it simple for you to apply for a loan online without traveling from wherever you are to our office location. All you need to do is to get all your documents by you and within 5 minutes, you are through with your application. 

Yes, the power lies in your hands now. Choose SRF Micro Credit today and relieve your financial stress. Don’t let that pressing need deprive you of your happiness.

Apply here 

 Call now/WhatsApp: 0302260584/0240061709

SRF Micro Credit: your needs, our priority.