CedisPay

Personal Information

GhanaCard Number

Mobile Money Number

Email Address

Location

Digital Address

Are you employed with current employer for at least a year

Employment Status

Is your monthly income equal to or greater than GHS2,000 per month?

Do you have Employer signed Memorandum (MOU Documentation)

Income Information

Are you currently employed?

Do you receive regular monthly income (Employment income & other income)

Provide your monthly regular income

Monthly Debt Expenses

Do you receive your income through mobile money or bank account?

Cash available in savings account

Are your bill and loan payments automated?

If you answered "Yes," please indicate the system you currently use to automate your bills and loan payments

Scoring Information

Number of years with current employer

Name of Employer

Which of the following category of sector does your employment fall under

Credit Behaviour Information

Do you currently have any outstanding debts or loans?

Have you taken a loan from any financial institution

How long have you taken the loan?

Have you ever defaulted on or missed a loan payment?

How many times have you missed payment on your loan/credit in your borrowing history?

Bills Payment Information

What are the bills that you are responsible for paying?

What is the length of history of your Bills payment history

How many times have you missed payments on your bills in your payment history?

Do you have recent 3 months loan payment history

Do you have recent 3 months bills payment history

Savings Habit Information

In the past 3 months, is the frequency of your savings at least 3 times

If you have appropriate insurance coverage, please indicate which of the following you have.

Do you regularly save a minimum of 5% of your monthly income for emergency purposes or future financial goals?

Eligibility Information

Do you have an active pension fund?

Relationship history with CedisPay or Relationship history with Pension Trustee / Payroll service provider?

Have you been in full compliance with all terms and conditions of your previous loans with CedisPay?

Loan Information

Amount Requested

Purpose of the loan

Desired payment plan

Desired loan payment duration (months)

Source of income for repayment of loan

Frequency of Income

Please select your preferred automatic loan repayment method for your CedisPay loan

Type of Customer

Guarantorship Information

Guarantor's Name

Guarantor's Phone Number

Relationship to borrower

Date of Birth

Type of ID

ID Number

Guarantor's Home Address

Has the guarantor been notified to act as a guarantor?

Yes

Next of Kin Information

Full Name

Phone Number

Relationship to Next of Kin / Contact Person

Physical Address (GhanaPostGPS)

This information will be kept strictly confidential and will only be used for the purpose of contacting your designated person in the event of any unforeseen circumstances.

Note: The purpose of collecting this information is to ensure the well-being and financial security of our valued customers. In case of any unfortunate event, such as illness or unexpected circumstances, we want to be able to support you and your loved ones during difficult times.

Social Media Information

Please select the social media platform you frequently use

Please enter your username or profile URL for the selected social media platform

Credit Bureau Information

First Name

Last Name

Date of Birth

Voter's ID Number or GhanaCard Number

Select the CedisPay Contact for this application

Please do have your GhanaCard, 3 months Bank or Momo statements and an Employee signed MOU (Memorandum of Understanding) ready to complete the process

Payroll Deduction Loan Application