Revolving credit for eligible users in Ghana
Credit that returns
as you repay.
Use only what you need from an approved credit limit. Repaid principal can return to your available balance throughout the 12-month validity period, subject to your account status.
Use only official in-app repayment channels.
Maximum annual interest rate
20%Processing fee per withdrawal
1%Reusable credit validity
12 mo.One limit, built to move with you
A revolving cycle,
not a one-time loan.
-
01
Get assessed
Apply from your phone. Eligibility and your available limit depend on assessment.
-
02
Choose an amount
Withdraw the amount you need within your available approved credit limit.
-
03
Repay clearly
Review the applicable costs and a 91–270 day repayment term before confirming.
-
04
Use it again
Repaid principal becomes available again during the 12-month validity period, subject to account status.
Transparent before confirmation
See the numbers
as a simple ledger.
All applicable fees, interest charges, and repayment details are shown before you confirm a withdrawal. There are no hidden charges.
- Processing fee · 1%
- GHS 100
- Interest · 20% annual rate
- GHS 986
- Total repayment
- GHS 11,086
GHS 10,000 × 20% ÷ 365 × 180 ≈ GHS 986
CHECK / APPLY / REUSE
Ready to be assessed?
Applications are completed in the ZoonMoney mobile app.
Eligibility checklist
- 20–58
Be between 20 and 58 years old.
- GH
Be a Ghana resident with valid identification.
- 01
Own an active local mobile wallet.
- ✓
Have a consistent source of income.
Approval and available limits are subject to assessment. Review every cost carefully and use only an amount you can afford to repay.