Welcome to CedisPay's advice and tools section! We understand that applying for a personal loan can be a daunting task, which is why we have prepared a step-by-step guide to help you obtain the necessary documents without leaving your house. Here's what you need to do:

• Obtain a valid Ghanaian National ID (Ghana Card): If you do not have a Ghana Card, you can apply for one online via the National Identification Authority (NIA) website at https://register.nia.gov.gh. Follow the instructions to fill out the application form and upload the necessary documents, such as a passport picture and a birth certificate.
• Provide proof of current address: You can obtain a digital copy of a utility bill that shows your name and current address by logging into the website of the utility provider. Alternatively, you can request a digital copy of a recent utility bill from the utility provider's customer service through their online chat or email service. The utility bill should be less than 3 months old.
• Provide three (3) most recent payslips: Contact your employer's human resources department and request for the payslips to be sent to you via email or any other digital means.
• Provide three (3) months of bank statements: Log into your bank's online banking platform or mobile app, navigate to the section that shows your account statement and select the date range for the past three months. Download the statement in PDF format and save it for submission to CedisPay.
• Provide proof of payment for recent bills, loans, or rent: Obtain digital copies of your payment receipts for bills, loans, or rent by logging into the websites of the respective service providers. If you do not have digital copies, you can contact the customer service of the service provider and request that they send you the digital copies through email or any other digital means.
• Provide standing order confirmation: To obtain a standing order confirmation, you can log into your bank's online banking platform or mobile app, navigate to the standing orders section, and download a confirmation statement of your standing orders. Alternatively, you can contact your bank's customer service and request that they send you a digital copy of the confirmation statement through email or any other digital means.
• Provide a guarantor with a good credit history: If your credit score from the CedisPay pre-approval calculator is below 80, you will need a guarantor with a good credit history. To obtain a guarantor, you can reach out to family members or friends who have a good credit history and ask them to provide their information as a guarantor for your loan application.

We hope this guide will help you prepare the necessary documents for your personal loan application with ease. For your convenience, you can visit our website at https://cedispay.com.gh/ for additional information and an online tool to check your pre-approval for a personal loan. Thank you for choosing CedisPay!