This is a quick loan facility for salaried workers catering to their urgent cashflow needs. The loan product offers swift financial assistance payable within thirty (30) days or the next salary payment for employees who receive regular monthly salaries.

Offer:

• Competitive interest rates
• No collateral required
• No fees or charges for early pay off
• Turnaround time (TAT) will be within two (2) working days)

Features:

• 'Bullet' repayment at the end of the loan term
• No early repayment penalty
• Borrow up to 85% of your monthly take-home salary.
• Minimum loan amount: GHS1,000.00.
• Maximum loan amount: GHS10,000.00 for regular account holders, and up to GHS20,000.00 for High-Net-Worth customers (priority customers) (terms and conditions apply)

Requirements:

• Fully completed Loan application form.
• Nationally accepted identification card
• Passport size picture
• Proof of income (latest payslips)
• Proof of employment (Letter of undertaking from employer)
• A minimum of 3 months’ salary credits on CBG bank statement
• Credit Bureau report
• Any other document as stated in the Bank’s Credit Policy

PERSA Term Loans offer individual salary workers who receive their salaries in their CBG Current Account easy and convenient access to financing for their urgent needs.

Offer:

• Competitive interest rates
• No fees or charges for early pay off
• Fast and easy access to loans for qualifying applications

Features:

• Monthly repayment amounts of up to 50% of your monthly take home salary up to 72 months repayment period
• You have access to loans up to GHS 400,000.00 (terms and conditions apply)

Requirements:

• Fully completed loan application form.
• Proof of identification (Ghana Card)
• Passport size picture
• Proof of income (last 3 months pay slips)
• Proof of employment (Letter of undertaking from employer)
• 3 months’ salary credits on CBG bank statement
• 6 months statement from previous bank (for applicants who want to apply after receiving the 1st salary payment into their CBG salary account)

Don't just dream it…Live it! With DreamLife you can pick up what you need from any of our partner vendors at the displayed showroom price and pay over 12 months. There are no additional charges and no interest! Strictly for customers who receive their salaries through a CBG current account.

Offer:

• 0% interest
• No fees or charges for early pay off
• Fast and easy access to loans for qualifying applications

Features:

• Monthly repayment amounts of up to 50% of your monthly take home salary
• Up to 12 months repayment period
• You have access to loans up to GHS 100,000.00 (terms and conditions apply)

Requirements:

• Fully completed Loan application form.
• Proof of identification (Ghana Card)
• Passport size picture
• Proof of income (last 3 months pay slips)
• Proof of employment (Letter of undertaking from employer)
• 3 months’ salary credits on CBG bank statement
• 6 months statement from previous bank (for applicants who want to apply after receiving the 1st salary payment into their CBG salary account)
• Invoice from Vendor

The Corporate Scheme Loan is an arrangement that offers group loans to employees of reputable organisations to finance your dreams.

Offer:

• Competitive interest rates for Personal Loans
• 0% Interest for Dreamlife Loans
• No fees or charges for early pay off
• Fast and easy access to loans for qualifying applications

Features:

• Monthly repayment amounts of up to 50% of your monthly take home salary
• Up to 72 months repayment period for Persa Term Loans
• Up to 12 months repayment period for Dreamlife Loans
• You have access to loans up to GHS 400,000.00 for Personal Loans (terms and conditions apply)
• You have access to loans up to GHS 100,000.00 for Dreamlife Loans (terms and conditions apply)

Requirements:

• Fully completed Loan application form. Proof of identification (Ghana Card)
• Passport size picture
• Proof of income (last 3 months pay slips)
• Fully completed company profiling
• Fully completed agreement document between the Bank and employer

A credit arrangement tailored to allow individual account holders with actively managed accounts to exceed their account balance up to a pre-approved limit, addressing temporary gaps in cash flow.

Offer:

• Competitive interest rates
• Up to 60%  of monthly take-home salary
• Fast and easy access to loans for qualifying applications

Features:

• Maximum tenor twelve (12) months
• Minimum overdraft amount: GHS 1,000.00
• Access to overdraft of up to GHS 20,000.00 (terms and conditions apply)

Requirements:

• Fully completed Loan application form.
• Nationally accepted identification card Passport size picture
• Proof of income (latest payslips)
• Proof of employment (Letter of undertaking from employer)
• A minimum of 3 months’ salary credits on CBG bank statement
• Credit Bureau report
• Any other document as stated in the Bank’s credit policy

This facility is targeted at Ghanaians conducting business in their personal names or capacities - what we will refer to as solopreneurs or individual businesses.

Offer:

• Competitive interest rates
• No fees or charges for early pay off
• Fast and easy access to loans for qualifying applications

Features:

• Sika Collect (mandatory)
• No collateral security required
• Monthly loan repayment schedule
• Cashflow lending – No financial statements required (customer’s monthly conduct)
• Maximum exposure of up to GHS20,000.00
• Minimum exposure of GHS5,000.00
• Turnaround Time (TAT) will be within 48 hours
• Credit Life insurance

Requirements:

• Fully completed application form.
• Proof of identification (Ghana Card)
• Proof of residence (recent utility bill of house of residence or Tenancy Agreement or any other document stated in the Bank’s requisite policy documents)

Secure your loan with cash or near cash investments with CBG. Credit facilities available under this product are term loans and overdrafts for individuals.

Offer:

• Competitive interest rates for Personal Loans
• 0% Interest for Dreamlife Loans
• No fees or charges for early pay off
• Fast and easy access to loans for qualifying applications

Features:

• Products cover only cash or near cash as security with flexible terms of payments
• Tenor: Maximum 48 for term loan and 12 months for overdraft

Requirements:

• Fully completed loan application form
• Successful performance of customer due diligence (verification of the source of the funds etc.).
• Proof of identification (Ghana Card), proof of residence, and other personal identification on the customer
• Lien Letter, with a right of set off.
• Signed accepted facility letter

Need an unsecured SME Loan to help you manage and grow your business. Look no further than CBG's SME Smart Loan. We stand with you and are ready to meet you at your point of need.

Offer:

• Access to loans up to GHS 300,000.00.
• Quick and hassle-free loans with no collateral/security requirements.
• Monthly loan repayment schedules up to 12 months.
• Collection services on our Sika Collect Platform to save you the trouble of visiting the branch to make payments.
• Cashflow lending - No financial statements required.

As your business grows our support for you expands. The SME Advanced Loan gives you  an unsecured loan for your growing business. Contact us for more information.

Offer:

• Access to loans up to GHS 500,000.00.
• Quick and hassle-free loans with no collateral/security requirements.
• Monthly loan repayment schedules up to 18 months.
• Collection services on our Sika Collect Platform to save you the trouble of visiting the branch to make payments.
• Cashflow lending - No financial statements required.

A medium term financing arrangement to procure moveable assets such as brand new vehicles and equipment for business operations.

The Business Term Loan is a non-revolving credit facility with a maximum tenor of 60 months to finance fixed assets needs, business expansion, and augment working capital.

The Business Overdraft is a secured short-term facility that enables customers with actively operated accounts to overdraw their account within an approved limit to support working capital.

The Express Temporary Overdraft is a short term overdraft facility to businesses to meet urgent pressing financial needs (e.g. to urgently clear cheques but for insufficient funds in the accounts).

A facility secured with cash or near cash security demociled with the Bank.