Empower Your Present, Secure Your Future

The CedisPay Future-Secure Loan is designed to help you meet your immediate financial needs while building a stronger, more secure financial future. With this unique loan offering, you get the best of both worlds—financial relief today and a path to long-term savings.

At CedisPay, we don’t just lend—we help you save while borrowing. With our Pension-Backed Loan, you’re guaranteed to save at least GHS 4,400, thanks to our ultra-competitive interest rate of just 1.8% per month. But that’s not all! If factors like tax rates change, we’ll adjust our rates to ensure you continue to save a minimum of GHS 4,400 or more.

Want to know how it works

Check out the full savings breakdown here: Unlock Savings

Why Choose a CedisPay Pension-Backed Loan

• Guaranteed Savings: Borrow confidently, knowing you’ll save big
• Flexible Options: Apply through your pension trustee or directly via our website
• Trusted Partners: We’re in partnership with leading trustees in Ghana, including:
  1. Petra Trust
  2. Axis Pension Trust
  3. Metropolitan Pensions Trust
  4. Old Mutual
  5. Kimpton Trustee
  6. First Merit Trustee

Key Features

• Guaranteed GHS 4,400 in Savings: Get a guaranteed amount saved towards your future with every loan, giving you a solid financial foundation for tomorrow
• Pension-Backed Loan: Access a loan backed by your pension plan, offering a secure and reliable way to borrow
• Instant Financial Relief: Solve your immediate financial challenges while working toward a more secure future.
• Tax-Efficient Savings: Maximize your savings without the burden of high taxes, ensuring that your contributions go further.

Why Choose the CedisPay Future-Secure Loan?

• Dual Benefit: Combine immediate savings with long-term financial security
• Long-Term Financial Planning: Start building a disciplined savings habit with every loan
• Peace of Mind: Feel secure knowing that your future is protected with guaranteed savings.
• Easy Access: Apply today and unlock the potential of your pension-backed loan.

How It Works

• Apply for the Future-Secure Loan: Get started by applying for the CedisPay Future-Secure Loan online or at a CedisPay branch.
• Guaranteed Savings Added: Each loan comes with GHS 4,400 in guaranteed savings to help build your future.
• Manage Your Loan and Savings: Pay off the loan over time, while watching your savings grow for future use
• Enjoy the Benefits: Access immediate funds while securing a better future for yourself.

Start Building Your Future Today

The CedisPay Future-Secure Loan is more than just a loan—it’s a powerful tool for securing a brighter financial future while solving your current needs. Take control of your financial wellbeing today.

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

CedisPay: Empowering Your Financial Wellbeing