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Fido is on a mission to empower individuals and entrepreneurs to capture opportunities in Africa, where financial services are out of reach for the majority.
Goodbye yellow, Fido is now Pink! We refreshed our look and style.
It's now easy to find what you want... when you want it. An all-new 'Home Page' effortlessly shows you dynamic content and information about the Fido services you use. A dedicated 'Loans' and 'Profile' page makes navigating the App a breeze.
Fido Score, our latest innovation, empowers you to build and maintain a digital financial track record. Your Fido Score establishes your profile as a customer using both non-financial and financial signals. Based on this score, Fido will make personalized loan offers that match your needs and abilities. While we educate you on actions you can take to improve your score to unlock improved offers.
We have now created a Help Center that truly helps. Find the answers to most questions you may have thanks to our new Knowledge base of self-help articles. Should you require more personal assistance beyond the knowledge base, you can reach out to our Support Team through the multi-channel support options we provide. Call, Chat or Email us with just a click of a button.
Yes. Fido is licensed as a Tier 3 Microfinance Institution (Micro Credit Company) and is regulated by the Bank of Ghana.
Yes, the Fido App is free to download and use. You must not pay money to any individual to register a Fido Account or use Fido services. Any charges linked with receiving a Fido loan will be shown to you in the Fido App.
To apply for a Fido loan, kindly follow this article
Remember that the only way to apply for a Fido loan is through the free Fido App. This process can not be influenced by any individual. You should not pay money to anyone under any circumstances to get a Fido loan. Fido will never ask for a form of cash deposit before processing your loan.
Creating your Fido Account is simple and easy! The process usually takes less than 15 minutes. Please follow the following steps.
Remember that your mobile number needs to be active and in a mobile device to receive the SMS we send you. After completing your registration, you can now apply for a Fido loan from the Home Page of the app or from the Loans Page.
First-time borrowers can get up to a maximum of 200 GHC. Paying your loan on time and completing the steps in the Fido Score section will increase your loan amount gradually up to a maximum of 3,000 GHS. To check how much you are personally entitled to at any point in time, log in to the Fido App and select ‘Apply now’ to apply for a loan.
Approval usually takes a few minutes at most after you complete and submit your loan request. Pay attention to the feedback you receive in the app after submitting your loan request. This would tell you if any further action is required of you to receive the loan.
Repaying Fido loan is easy.You can initiate repayment of your active loan from either the Home Page or Loans Page of the Fido App.Follow these steps to repay your loan.
To get started, make sure you have your Ghana card in hand and know your Street Address or landmark description. After registering your account with your mobile number, you can verify your Account by either going to the Profile section of your Account or by applying for your first loan.
Complete the verification process by following these steps.
OTP (One-Time-Password) is a 6-digit number generated and sent by Fido as an SMS to your mobile number. This is to verify your mobile number is correct and to prevent the fraudulent use of your mobile number. The SMS will be sent shortly after you enter your mobile number on the login screen, once you receive it simply complete the OTP in the verification screen and press next.
To log in to your Fido Account, Please follow these steps.
Remember that your mobile number needs to be active and in a mobile device to receive the SMS we send you.
Yes, all returning customers are eligible for early repayment benefits and will only pay the interest that applies to their loan as of the day full payment is being made. This means you will pay a smaller amount than specified in your original loan schedule if you are repaying early.
Installment loans are a way to make repaying larger loans easier for some Fido customers. Customers eligible for installment loans will have this option in the app when choosing their loan term.
Fido offers up to 6 months of installment options. This means that instead of repaying the entire loan after the usual one-month period, Fido will divide your loan repayment into small equal amounts. Hence, you pay a small part of the loan each month over the installment period (3 or 6 months) you have chosen.
Note that, it does not mean you will only repay the loan after the period you choose, but it means each month you will pay a part of the bigger loan.
Paying your loan on time is important to maintain your Fido Score and to access Fido products in the future. Please contact us with any issues related to the repayment of your Fido Loan. Customers will be charged additional penalties for late repayments. Fido reserves the right to take any legal action to recover outstanding debts and report delinquent borrowers to the appropriate agencies and/or authorities.