In a world where financial security often feels out of reach, the CedisPay Future-Secure Loan stands out as a beacon of hope. This innovative loan product is tailored to address your immediate financial needs while simultaneously paving the way for a more secure financial future. With a blend of competitive interest rates and guaranteed savings, this offering is unlike any other in Ghana’s financial landscape.

What Makes the Future-Secure Loan Unique

At CedisPay, our mission goes beyond lending money—we aim to empower our customers with tools for financial growth. The CedisPay Future-Secure Loan offers the best of both worlds:
• Immediate Financial Relief: Access funds when you need them the most
• Guaranteed Savings: Secure at least GHS 4,400 in savings while repaying your loan

How Does the GHS 4,400 Savings Guarantee Work

The savings guarantee is rooted in our ultra-competitive interest rate of 1.8% per month, coupled with strategic financial management. Here’s how we make it happen:

Fixed Benefits of the Loan

• Avoiding Tax Penalties (GHS 2,250): Opting for the Pension-Backed Loan helps you sidestep hefty tax penalties that could otherwise diminish your savings. This means you keep more of your hard-earned money.
• Protecting Future Value (GHS 5,400): By borrowing through the Future-Secure Loan, you mitigate the loss of future financial value, ensuring your money retains its strength over time

The Variable Cost

The only variable cost is the total interest on the loan, which amounts to GHS 3,240 (21.6% of a loan amount of GHS 15,000). Thanks to our operational efficiency and digital infrastructure, we keep this cost significantly lower than market averages.

Proactive Adjustments to Safeguard Your Savings

CedisPay recognizes that financial conditions, such as tax rates or asset yields, can fluctuate. To uphold our promise of at least GHS 4,400 in savings, we proactively adjust our interest rates in response to these changes. This commitment ensures your savings remain protected, regardless of external economic factors.

How We Achieve Financial Efficiency

Our savings guarantee is inspired by the proven strategies of Athene Holding Ltd., a global leader in retirement services. Athene delivers guaranteed returns by:
• Investing in highly secure fixed-income securities
• Utilizing alternative investment strategies

Similarly, CedisPay leverages

• Digital innovation to reduce operational costs
• Strategic financial management to deliver maximum value
This approach allows us to offer an unmatched combination of low interest rates and guaranteed savings.

Why Choose the CedisPay Future-Secure Loan

• Guaranteed Savings: Secure your financial future with at least GHS 4,400 in savings
• Competitive Rates: Enjoy one of the lowest interest rates in the market at just 1.8% per month
• Flexibility: Adjustments to interest rates ensure your savings are protected, even during economic shifts.
• Trusted Partnership: Backed by leading pension trustees and inspired by globally successful financial strategies

A Loan That Builds Your Financial Future

The CedisPay Future-Secure Loan is more than a financial product—it’s a promise to help you achieve financial stability and growth. By combining immediate relief with a long-term savings strategy, this loan ensures that you’re not just borrowing for today but investing in tomorrow.

How to Apply CedisPay Pension-Backed Loan!

• Through Your Pension Trustee: Apply seamlessly through one of our trusted pension trustee partners including:
  • Petra Trust
  • Axis Pension Trust
  • Metropolitan Pensions Trust
  • Old Mutual
  • Kimpton Trustee
  • First Merit Trustee
• Directly Online: Visit Client Portal and apply online. You’ll need:
  • A valid Ghana Card
  • Recent bank and mobile money statements
  • Proof of address
  • Payslips

Your financial security starts here. Let CedisPay be your partner in building a brighter, more secure future. 🌟