Fido is licensed by the Bank of Ghana, Bank of Uganda and the National Credit Regulator (South Africa). We create opportunities for growth in Africa by changing the way individuals and entrepreneurs create, manage and build wealth. Enjoy instant financial services, such as access to business credit, savings, personal credit, and easy, cost-effective payments.
Build your financial track record with Fido Score to take control over your finances and unlock improved offerings from Fido and our partners.
Here's what we offer:
- Fido Business: Boost your business growth with Fido Biz Loans, offering up to GHS 5,000 to move your business forward.
- Fido Score: Build your financial track record and control of your finances with Fido Score. Take actions to improve your Fido Score and unlock improved offerings.
- Fido Savings: Put your money to work and prepare for your future with our high-interest savings product.
- Personal Credit: Get an instantly pre-approved GHC100-4,000 credit line to meet your needs. It's fast, simple and transparent.
- Fido Payments: Pay bills, buy data, and airtime effortlessly. Each purchase improves your Fido Score.
Here's how to sign up to Fido:
- Download the Fido App and register only once.
- Confirm your details with a valid ID (NIN / Ghana Card) and an address.
- You must be over the age of 18.
- Complete the Fido Score assessment.
- If you are a business, complete you business information.
- Kindly note Minimum Repayment period: 90 days and Maximum Repayment period: 365 days.
- We accept MTN, ATT & Vodafone Mobile Money wallets.
Here's how to repay:
Ghana:
- Log into the Fido App, select the 'Make a Payment' button and follow the prompts.
- You can also dial *998# to repay.
- For other options like using the MTN, AirtelTigo and Vodafone menus, find the repayment process in the Fido App 'Help' section.
Uganda:
Via the Fido App: Log in and tap "Pay Back", then follow the prompts.
Via Mobile Money:
- Airtel: Dial *185*9#, enter Merchant ID: 4312373
- MTN Dial *165*4*4#, enter Merchant Code: fido1
Quick payments via USSD:
- Dial *284*300#
- Confirm your payment with your PIN
Beware of Fraudsters:
- Don't pay any deposits to any agents, Fido is a 100% mobile app!
- Don't use a mobile money number that does not belong to you.
- Don't use someone else's Ghana Card.
- Don't apply for someone else.
Fido personal credit and business loans are intended to assist entrepreneurs and individuals with their everyday needs and not to service long-term debt obligations. Maximum Annual Percentage Rate (APR) is 36%. Actual rates may be lower, depending on local applicable laws and regulations. This is based on a credit line term of 365 days (one year), an interest of 0.098% per day or 2.94% per month, a processing fee of 295 GHS per credit line, and in certain cases, a deductible commitment fee of up to 1.6%.
Representative Example in Ghana Cedi:
A borrower who receives credit of 2,000 GHS for a 365 days term, will be charged an interest rate of 0.098% per day, thus 408.7 GHS in 365 days, and a processing fee of 295 GHS, summing up to a total repayment of 703.7 GHS. A deductible 1.4% commitment fee is applied, and 28 GHS will be deducted from the principal.
In summary: 2,000 GHS (borrowed amount), minus 28 GHS (commitment fee) + 408.7 GHS (interest) + 295 GHS (processing fee) = 2,703.7 GHS (total payment).
The borrower has the flexibility to make early repayments at any point, thereby reducing the above-stated interest.
+233-0596922420 / www.fidocredit.com
We are certified by the Data Protection Commission and hold an ISO 27001 certification.
Find out more: https://www.fidocredit.com/legal-pages/privacy-policy-statement
I have been a customer of this your service for time now and i must commend you for your good works. But then i think some few issues needs to be addressed as it should be. Now this is my problem, i have always borrowed and paid back as required of me but then with my last transactions i delayed in paying back due to some circumstances but i still paid as expected. And for months now the system has refused to give me funds which some of us this is our only hope if we need urgent funds. I my opinion, some customers should be treated based on their previous transactions not just one which they defaulted in a way. Imagine all customers default and are refused funds, how is your service going to run again? Issues like this should be addressed so we are all ok at least.
Developer Response
Hello User, Thank you for being a loyal customer and for your valuable feedback. We truly appreciate your continued trust in our service. We understand your concern regarding the recent issue with accessing funds. While we strive to support our customers, our system is designed to ensure responsible offering of financial support for all. We take your positive transaction history into account. Please reach out to us via email at info@fidocredit.com, and we'd be happy to review your account further to assist you. Your satisfaction is important to us!
Had a hysterectomy surgery and also misplaced my sim at the ward
Nayerame
Fido 😭😭 I’m very sorry defaulted. I have been a loyal customer which you attest to, paid my loan on time when I am due, submitted my business documents, I was ready and prayed for a bigger loan until my condition became critical 10days ago, I had go for a hysterectomy surgery with the little savings I made at my shop, because of the pain and my condition it’s escaped me since I was using Vodafone instead of mtn hence the network challenge, I eventually misplaced the mtn sim. I was discharged yesterday 12th Sept. Got home and had to use my mtn and checked on Fido later in the evening and realized I was 6days overdue for payment 😭😭😭I was driven with my pain, laying at the backseat screaming to mtn office to cut my sim and got home and pay my loan with little I had with plus my sister in-law top up. And I was informed I’m not eligible for a loan 😭😭😭😭. Meanwhile I have no money on me for feeding , prescriptions I brought home to buy and also to be visiting the hospital back for dressing of my wound omg , I’m finished! Fido you have been supportive but on my day in need I just can’t stop crying. Please help me I beg of you. I’m depressed already please don’t kill me 😭😭😭😭😭😭😭😭😭😭🙏🏻
Developer Response
Hello Valued Customer,We apologize for the challenge you experienced. We would love to help you. Please reach out to us via email at info@fidocredit.com or use the live chat feature on the app. The team is ready and willing to help you resolve your issue.Thank you, and have a great day!
Poor Experience With Loans After Overdue Payment
yyoungod
I’ve used Fido for a while and the app itself works fine, but the loan experience has become very frustrating. After having one overdue payment in the past, Fido completely stopped giving me access to new loans — even after I fully settled everything.There’s no clear explanation, no re-evaluation process, and no way to build your credit back within the app. It feels like one mistake permanently blocks you, which defeats the purpose of a financial service that should support responsible users who correct their errors.Fido can be helpful, but the rigid loan policy and lack of transparency make the experience disappointing. I hope they improve how they review customers in the future.
Developer Response
Hello User, Thank you for sharing your experience. We understand how frustrating this situation can feel. Please note that loan decisions are made automatically based on a full review of your repayment history, including any past overdue payments. Even after settlement, the system may take time to reassess eligibility, but this does not mean you are permanently blocked.We appreciate your feedback on transparency and the review process. Your comments will be shared with the relevant team as we continue improving our services. You can keep using the app, and your eligibility may update after future system reviews. If you need further assistance, we are here to help.
My Honest Review
LOLLIPOPJEE
I am happy with the fact that you get an instant alert right after applying, my only problem is the commitment fee you charge plus the interest rates on payment are rather high. I request for a loan and I don’t get the actual money I need so I have to go and look for extra money elsewhere to add up and also pay a high interest rate in a months time? That is not fair and I feel something should be done about it. Compared to other loan apps that I have been using, they don’t charge commitment fee plus the interest rate is not this high. Kindly work on it for us but in all I love your service. Thank you
Developer Response
Hello User, Thank you for your thoughtful feedback.We’re glad you appreciate the instant alerts and service, and we also hear your concerns about the commitment fee and interest rates.Please note that Fido’s loan terms, including fees and interest, are determined automatically based on each customer’s profile. Commitment fees are part of ensuring secure, instant loan processing, and interest rates are designed to reduce over time as you continue repaying on time and building your Fido Score.We understand your concerns and truly value your suggestions. Our team is always reviewing ways to improve our products while keeping them sustainable. In the meantime, responsible repayment will help you unlock higher loan amounts and lower rates over time.We appreciate you choosing Fido and look forward to supporting you further on your financial journey.
This update includes several improvements to enhance your experience in the app.
We have fixed some bugs and improved the overall performance.
Version 1.36.0
The developer, Fido Limited, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
Usage Data
Data Linked to You
The following data may be collected and linked to your identity:
Identifiers
Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Usage Data
Diagnostics
Privacy practices may vary based, for example, on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
