Credxter simply allows you to get loans and also pay for goods and services in instalments. You can shop online or in-store at any Credxter retail partner and we’ll spread the cost over a maximum period of 60months for you. It’s just that little bit extra breathing space to make buying easier.

Get flexible, affordable loans and personal consumer credit online and in-store.

Credxter makes your loan request, shopping affordable and convenient by spreading your payments into simple instalment plans. Just find what you want at any of our retail or online merchant stores, choose Pay with Credxter, and enjoy your flexible monthly payments. You can also unlock exciting features every successful repayment!

MUCH BETTER THAN CASH LOAN OR CONSUMER LOAN
Credxter is more convenient than cash loans, consumer loans, or cash credit. Buy what you want today directly in-app or at any of our merchants and select to pay with Credxter. That will split your purchase in convenient instalments. We’ll let you know when your payments are due ahead of time. Collateral or down payment are not needed. Borrow money for personal use or shopping quickly and online. The credit approval process is super easy and super-fast! Most customers who apply on our app can get an instant decision and can get credit immediately. And you don’t have to deal with the credit money. Just shop and enjoy!

ENJOY NO DEPOSIT, LOWEST INTEREST RATES FOR LOANS & ONLINE PURCHASES
Enjoy the benefits without paying upfront. 0% deposit for consumer credit. We charge the lowest interest rate at only 2.25% monthly.

CONVENIENT REPAYMENT OPTIONS
You can easily pay your instalments via mobile money, direct bank deposits, CAG deductions, or at our partner retail outlets.

NO FUNNY BUSINESS
What you see is what you pay for - no hidden fees. Our app lets you configure your instalments and see the exact amount you will pay every month upfront. Before availing we will always generate a Disclosure Statement in compliance with standard banking practice.

*Information about cost of your loan instalment plan:
- Annual Percentage Rate (APR) of our installment plans is 27%
- Minimum Loan term is 1month, Maximum Loan Term is 60 months
- Simple Interest Calculation.
- No Application Fee
- No Pre-closure Fee
- No Mandatory Deposit
- 3% Processing Fee Upfront for borrowers from unverified partner institutions

Representative Example:
If a borrower from a verified partner institution take up GHS10,000 to be repaid in 12 monthly instalments, with a simple interest principal, at a rate of 2.25% interest per month. The representative Annual Percentage Rate (APR) for such loan, including all interest and fee costs, is 27%. However, this rate is for reference only and may change depending on financial and economic market/environment conditions. Consumer credit and loans are repaid monthly and do not compound interest and are eligible for extension or refinancing beyond the stated term.

If a borrower from an unverified partner institution take up GHS10,000 to be repaid in 12 monthly instalments, with a simple interest principal, at a rate of 2.50% interest per month. The representative Annual Percentage Rate (APR) for such loan, including all interest and fee costs, is 30%. 3% of the required value will be charged upfront as processing fee but the base rate loan will be 27% per annum when loan is approved. However, this rate is for reference only and may change depending on financial and economic market / environment conditions. Consumer credit and loans are repaid monthly and do not compound interest and are eligible for extension or refinancing beyond the stated term.

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