Our Products

A loan built
for your business

Three products. Each one designed around the real needs of a different type of Ghanaian entrepreneur or worker.

Tru Express LoanTru Booster LoanTru PayDay LoanFAQ ↓
Ghanaian market trader at her shop — ideal customer for Tru Express Loan

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Micro and Small Businesses

Tru Express Loan

Fast, short-term funding for informal sector businesses across Ghana.

Built for the market trader, the kiosk owner, the food seller and the roadside entrepreneur. No collateral, no complex paperwork. Just fast credit to keep your business moving.

Designed specifically for the informal sector
No collateral required
Guarantor-based approval process
Fast credit decision — often same day
Disbursement within 24 hours of approval
Flexible, short-term repayment schedule
Transparent pricing with no hidden fees
Completed TruCredit loan application form
Valid national ID (Ghana Card)
Passport-size photograph
Copy of a recent utility bill
At least one guarantor with valid ID
Keep your shelves stocked during slow periods
Take advantage of bulk purchase discounts
Build a positive credit history from scratch
Access larger loans as your credit record grows
No need to pledge personal or business property
Small and Medium Enterprises

Tru Booster Loan

Working capital for growing Ghanaian SMEs with real ambition.

For the business owner managing inventories, trade receivables and supplier payments. Flexible repayment aligned to your cash flow cycle, so the loan works with your business rather than against it.

Covers inventories, receivables and payables
Flexible repayment methods and schedules
No prior savings required
Competitive, transparent rates
Quick disbursement after approval
Repayment aligned to your trading cycle
Completed TruCredit loan application form
Valid national ID (Ghana Card)
Business operating permit (where applicable)
Passport-size photograph
Copy of a recent utility bill
At least one guarantor with valid ID
Finance inventory purchases at the right moment
Bridge the gap between invoices and payment receipts
Manage supplier payment terms strategically
Grow your business without giving up ownership
Strengthen your credit profile for future growth
SME business owner reviewing inventory — ideal customer for Tru Booster Loan

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Ghanaian professional at work — ideal customer for Tru PayDay Loan

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Salaried Individuals

Tru PayDay Loan

Personal loans for working Ghanaians when life does not wait for payday.

Medical bills, school fees, home repairs or urgent travel — life moves on its own schedule. The Tru PayDay Loan is based on your verified salary, with repayments designed to fit comfortably within your monthly income.

Based on verified salary or employment income
No collateral required
Creditworthiness-based approval
Flexible repayment schedule
Covers medical, education, home and travel needs
Requires stable, verifiable employment
Completed TruCredit loan application form
Valid national ID (Ghana Card)
3 months of bank statements
Recent payslip or proof of employment
Copy of a recent utility bill
At least one guarantor with valid ID
Handle urgent expenses without depleting savings
Fixed repayments that fit your monthly budget
Build a personal credit record
Fast access to funds when you need them most
No requirement to involve your employer

FAQ

Questions we hear every day

Cannot find your answer here? Call or WhatsApp us on +233 (0) 59 593 9637 and we will help you personally.

Need help now?

Our team is available Monday to Friday, 8am to 5pm. WhatsApp is the fastest way to reach us.

WhatsApp Us NowCall +233 (0) 59 593 9637

We aim to disburse all approved loans within 24 hours. In most cases, the money reaches you the same day your application is approved, via mobile money or direct bank transfer.

No. Our Express and Booster loans are guarantor-based — you need someone who vouches for you, not physical assets. The PayDay Loan is based on your salary. None of our products require you to pledge property or equipment.

A guarantor can be a family member, friend, colleague or fellow trader who knows you well and trusts your ability to repay. They need a valid ID and must be willing to speak with our team.

Yes. We serve the informal sector. While registration strengthens your application, we will still consider your request based on your trading history, activity and character. Come in and speak to our team.

Contact us as soon as you know you may have difficulty. We would far rather find a solution with you early than see you fall behind. Call or WhatsApp us on +233 (0) 59 593 9637 and we will work with you.

Yes. Every loan you repay on time builds a positive credit history in your name, opening doors to larger loans and better terms in the future.

Yes, you can repay ahead of schedule. Speak to our team about the applicable terms. Early repayment is a positive sign and strengthens your credit record.

Yes. TruCredit is fully licensed by the Bank of Ghana under the Non-Banking Financial Institutions Act 2008 (Act 774) and is a member of the Micro-Credit Association Ghana (MCAG).

Visit our office at 45 Nmai Dzorn Adjiringanor Road, Accra, call us on +233 (0) 59 593 9637, WhatsApp us, or submit the form on our contact page. Our team will guide you through the next steps.

Loan amounts depend on your business size, income and repayment ability. We assess each application individually. Contact us to discuss your specific situation and we will tell you exactly what you qualify for.

Ready to Apply?

Your preferred funder is one call away

Not sure which product is right for you? Our team will guide you to the best option for your situation.

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