Upfront Pricing on Personal Loans in Ghana

See the full cost before you apply.

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SPACELANDS DIGITAL GHANA LTD offers transparent digital personal loans across Ghana.

Know your costs before you borrow — review your loan APR, fees and repayment schedule

EasyRateLoan — Transparent Personal Loans

EasyRateLoan offers online personal loan services for eligible users across Ghana.

With EasyRateLoan, you can apply for a personal loan directly from your phone and review the loan amount, repayment period, APR, all applicable fees and the full repayment schedule before you confirm your request.

We believe borrowing should be transparent. That is why every applicable charge — interest and any other costs — is shown clearly on screen before you submit. No hidden deductions, no unclear terms.

EasyRateLoan may help you cover short-term needs such as bills, medical expenses, business top-ups or unexpected costs. Loan approval and disbursement are subject to identity verification, credit assessment and the accuracy of the information you provide.

Personal loans with upfront pricing — see the full cost of your loan before you commit

Loan Information

Loan Terms

  • Loan amount: GHS 500 – GHS 8,000
  • Repayment period: 91 – 360 days
  • Maximum APR: 24%

Final offer may vary based on your credit assessment and eligibility.

Representative Example

If you borrow GHS 1,200 for 150 days at a daily interest rate of 0.07%:

  • Principal: GHS 1,200
  • Estimated interest: GHS 126
  • Total amount to repay: GHS 1,326

The figures shown are estimates. Calculations may involve rounding of decimals, so the final amount may vary slightly. The actual amount displayed in the app shall prevail. All applicable charges and repayment details are displayed in the app before you confirm the loan.

Every fee shown in advance — APR, service charges and repayment dates are clear before confirmation

How EasyRateLoan Works

1
Register

Register with your mobile number.

2
Complete Verification

Complete identity verification and basic profile information.

3
Choose Your Offer

Browse available loan offers and select your amount and tenure.

4
Review the Full Cost

Review the full cost and repayment schedule.

5
Submit Your Application

Submit your application for assessment.

6
Get Disbursed

If approved, funds are disbursed to your Ghana bank account or supported mobile money wallet.

Apply in a few simple steps — register with your mobile number and verify your identity

Review and disbursement times may vary depending on verification results and payment channel processing.

Eligibility Requirements

To apply, you should:

  • Be at least 18 years old.
  • Be a Ghanaian citizen or legal resident.
  • Hold a valid Ghana national ID or accepted identity document.
  • Have an active Ghana mobile number.
  • Have a supported bank account or mobile money wallet.
  • Have a stable source of income.
Your information, handled responsibly — ID verification and data protection
⚠️ RISK WARNING

Borrow responsibly. Only take loans you can afford to repay. Late repayment may attract additional fees and impact your credit record with credit reference bureaus of Ghana.

About Us

Our Story

SPACELANDS DIGITAL GHANA LTD is a digital lending company focused on financial inclusion for individuals and small‑scale entrepreneurs across Ghana. We deliver fully‑digital loan services to bridge the gap of traditional banking.

Mission & Vision

  • Mission: To deliver accessible, fair digital credit products for Ghanaians.
  • Vision: Become trusted digital micro‑finance service provider across Ghana.

Our Commitment

We are committed to transparent pricing, responsible lending and the protection of customer data. Every loan offer shows the full cost before you confirm, and your information is handled with care throughout the application process.

Corporate Information
  • Full Legal Name: SPACELANDS DIGITAL GHANA LTD
  • Business Type: Digital Personal Loans
  • Service Area: Ghana

Our Products

Digital Personal Loan

For emergency needs, household expense, small petty‑trade. Fully app‑based application.

  • KYC required: Ghana Card / National ID mandatory
  • Flexible short‑term repayment tenors
  • All interest, fees and charges fully disclosed before loan acceptance, no hidden cost.
Choose the amount that fits your need — pick the repayment period that suits your budget
Disclaimer: All products subject to eligibility check, KYC verification and internal credit assessment. Approval is not guaranteed.

Compliance Center

Complaints Handling Procedure

1. Contact our customer support via email or in‑app support.

2. If your issue is not resolved, our support team will escalate it internally for a senior review and keep you informed of progress.

We report repayment history to Ghana Credit Reference Bureaus for both positive and negative records.

Frequently Asked Questions

Disbursement timing depends on your bank or mobile money provider and the review of your application. You can track the status of your application in the app.

Valid Ghana Card (National ID) is mandatory for KYC.

No. All interest, processing fees are shown clearly to you prior to accepting loan.

Late payment will incur contractual late fees as stated in loan agreement, and may be reported to Ghana Credit Reference Bureaus, which will affect your future loan applications. Please borrow responsibly.

Contact Us

  • Support Email: support@spacelandsdigital.com
  • Working Hours: Monday‑Friday 8:30 AM ‑ 5:00 PM
  • In‑app support channel also available inside the EasyRateLoan app.

If you need help or have any questions, you can reach us through the support channels available inside the app.