Horizon Cedi

Horizon Cedi is a reliable, transparent, and easy-to-use digital lending platform tailored for individuals in Ghana. Whether you need quick cash for emergencies or short-term financial support, you can apply for a personal loan directly from your mobile phone — no paperwork, no long queues, and absolutely no hidden fees. Loan Overview Loan Amount Range: 1,000 GHS – 100,000 GHS Loan Term: 91 to 720 days (approximately 3 months to 24 months) Maximum Annual Interest Rate: 21% Processing Fees: None whatsoever — no upfront or hidden charges Example Calculation: For a loan of GHS 2,000 with a 180-day repayment term at a 21% annual interest rate: Interest: 2,000 GHS * 21% * (180 / 365) ≈ 207 GHS Total Repayment: 2,000 GHS + 207 GHS = 2,207 GHS You can easily monitor your loan status from your phone. Early repayments are allowed and come with no extra fees. Who Can Apply? Horizon Cedi is open to all eligible residents of Ghana who meet the following criteria: Must be 20 years of age or older Must have a valid, active local mobile wallet Must provide proof of a stable income source, such as salary slips, self-employment income, or other verifiable earnings Whether you're employed, self-employed, or run a small business, if you have consistent income, you're welcome to apply. Why Choose Horizon Cedi? 100% Transparent: No hidden costs, no surprise charges — what you see is what you pay Simple & Fast: Apply and get approved directly from your mobile phone — no paperwork needed Boost Your Credit: Timely repayments help you build a strong credit profile for future financial opportunities Flexible Options: Choose from a wide range of loan amounts and repayment terms to match your needs We’re committed to delivering a safe, honest, and convenient lending experience to empower our users financially. Need Support? Reach out to us at [email protected] — our support team is ready to assist you.