CedisPay

CedisPay offers two convenient options to apply for a pension-backed loan:

Through Your Pension Trustee
- Inform your pension trustee of your interest in a CedisPay loan
- Provide them with your valid Ghana Card, recent bank and mobile money statements, proof of address, and payslips
- Complete Form A provided by the trustee, which details your pension contributions
- The trustee will email the completed Form A and your 12-month Tier 3 pension statement to CedisPay. We will then contact you to assist with your application
- Credit Bureau Review: Upon receiving your documents, CedisPay will provide you with information about credit bureau checks and our terms and conditions: https://cedispay.com.gh/consent
- Application Preparation: A CedisPay staff member will prepare your application in the client portal on your behalf
Directly on CedisPay’s Website:
- Visit https://cedispay.com.gh/ to apply online. You’ll need to upload valid Ghana Card, recent bank and mobile money statements, proof of address, and payslips
- After the initial review, you will collaborate with CedisPay and your pension trustee to complete Form A. This form is essential for pledging your Tier 3 pension as collateral and must include input from both you and your employer if applicable. Form A details your pension contributions, vested amounts, secured account information, and grants the trustee authority in case of default. This process safeguards your interests while allowing you to use your pension as collateral

Detailed guidance on How to Apply for a CedisPay Pension-Backed Loan

CedisPay provides two convenient ways to apply for a pension-backed loan:

Through Your Pension Trustee
- Express Interest: Notify your pension trustee that you would like to apply for a CedisPay loan
- Submit Required Documents: Provide your trustee with the following:
  - Valid Ghana Card
  - Last 3 months of bank and mobile money statements
  - Proof of address
  - Recent payslips
- Complete Form A: Your trustee will provide you with Form A to complete, which details your pension contributions
- Submit to CedisPay: The trustee will email the completed Form A along with your 12-month Tier 3 pension statement directly to CedisPay. Once received, we will contact you to help you access our application system
- Credit Bureau Review: Upon receiving your documents, CedisPay will provide you with information about credit bureau checks and our terms and conditions: https://cedispay.com.gh/consent
- Application Preparation: A CedisPay staff member will prepare your application in the client portal on your behalf
- Streamlined Processing: This efficient process, validated by your trustee, ensures a quick and easy loan experience. https://cedispay.com.gh/pension-summary
Directly on CedisPay’s Website
- Apply Online: Visit cedispay.com.gh to start your application directly through our client portal. You’ll need the following documents ready to upload:
  - Valid Ghana Card
  - Last 3 months of bank and mobile money statements
  - Proof of address
  - Recent payslips
- Underwriting and Follow-Up: After the initial underwriting review, we will guide you in completing Form A with your pension trustee and employer, ensuring all necessary pension contribution details and authorizations are included
- Pledging Your Tier 3 Pension as Collateral: To pledge your Tier 3 pension as collateral, you need to complete Form A, which can be obtained from either CedisPay or your pension trustee. This form requires contributions from the customer, the pension trustee, and the employer, detailing pension contributions, vested amounts, secured account information, and the authority of the trustee in the event of default. This process ensures your interests are protected while using your pension as collateral

Need Assistance

Our support team is available to help you at any stage of the process: Phone: +233 244680960, +233 59 574 1614, +233 595741673. This clear and documented process ensures responsible lending while protecting your financial