FIDO operates as a direct consumer lender, deploying its tailored end-to-end solution for the local market.


FIDO’s first market offering was launched in Ghana in 2014. Licensed by the Bank of Ghana as a financial institution, Fido Money Lending Ltd. lends directly to consumers throughout the country.

Fido is…

Cashless. We work with MTN Mobile Money, Tigo Cash, Airtel Money and all commercial banks in Ghana.

Automated. We are integrated with mobile wallet providers and government registries to provide a fast and convenient process.

Accessible. Collateral and guarantors are not required to complete the easy application.

Available anytime, anywhere. Customers can apply on their own mobile device or shared devices.

Legacy financial institutions require strict documentation, financial history and collateral or guarantors to be eligible, leaving the majority of Ghanaians with few formal options. Fido Money Lending brings new opportunities for micro-entrepreneurs and workers from all sectors to get access to credit and build financial history.


Online application and instant disbursements
Small Amounts
$40-200 loan amounts
Short term
Up to 33 days or up to 3 installments where eligible
Personal & Shared Devices
Use your own or one of ours!
mohammed umoru2
Mohammed Umoru
Business Owner
11 loans taken

I use the money given by FIDO to buy aluminium raw materials and produce silverware that I sell. I used to come from Cape Coast to Accra to take the loan, now the best thing FIDO did is that I can take the loan from here. With the profit I got, I was able to open a shop in Kumasi. FIDO is a good friend for my business and is fast and reliable.

prince kwabena2
Prince Kwabena
Taxi Driver
7 loans taken

FIDO has changed my life. I invested in a business to buy sim cards managed by my wife, with the money I got from FIDO I was able to buy more stocks and make more profit. Now I want to move my mobile table top business to a fixed container shop. FIDO is good, the interest is low, better than other banks. I am not going to stop coming to FIDO.