How to get a loan in Ghana without going to the bank

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Wondering if this is possible? Yes very possible. You can get a loan in Ghana without walking to a bank.
The banking scope in Ghana has evolved over time. The hustle one had to go through to get a soft loan was to some extent unbearable.
To begin with, one had to walk to a bank with an application letter(filled form or written application), wait for the bank to complete their lengthy appraisal processes of banks before getting approval and final disbursement. Of course may last for at least two days.
Following the massive clean-up in the banking industry, banks have also tightened their lending criteria, thus making it difficult for a person without a good bank statement and the general unbanked populace and applicants without good collaterals not be included in the credit net.
Thanks to the following Ghanaian institutions, you can get a soft loan to the tune of One Thousand Ghana Cedis (GHS¢1,000).
MTN Quickloan.
This is the earliest mobile on-lending platform in Ghana. With just a phone and a registered MTN Sim card, you can get a loan of at least GH¢50 and GH¢1,000.00 to be repaid within a month.
MTN Quick loan is powered by AFB and has been in existence for at least three years and has served its customers who needs quick loans to solve pressing personal issues.
Here is how to apply for an MTN Quick loan
1. Dial the short code *170# on your MTN Handset.
2. Choose option 5 to access Financial Services option.
3. Choose option 3 for loans.
4. Choose option 1 for Qwikloan.
5. Choose option 1 for Request Loan.
5. Choose your loan amount.
6. Confirm your repayment plan (Number of days to payback)
7. Enter your Mobile Money Pin to confirm the process.
Click on this link to know the terms and conditions covering MTN Quick loan.
FIDO Money Lending
This is an online on lending platform which provides convenient emergency loans to people.
Fido Money is licensed by the Bank of Ghana to provide soft credit to customers through an internet-enabled application. Disbursement of the loan facility is disbursed onto the applicant’s Mobile Money sim which includes MTN Mobile Money, Airtel/Tigo Cash registered in your name for at least two months.
With Fido, First-time borrowers are eligible for a minimum of GHS200 to be paid within 10 to 33 days. The loan term must be selected in the app when applying. No personal guarantors are required.
To qualify for a FIDO Loan, you need a valid ID and Mobile Money or Bank Account.
You are also required to provide a valid ID card namely: Driver’s License, NHIA Membership, Voter ID, National ID or Passport.
Applicants who opt to use bank accounts must have Original bank statements for a valid deposit account with a commercial bank in Ghana.
You must be a resident in Ghana over 18 years of age.
Here is how to apply for a Fido loan.
1. Download the FREE FIDO. APP on Google Play store 1.
2. Apply by filling the loan. application in the APP 2.
3. Receive your money instantly 3.
4. Repay on time and get higher. the amount for your next loan* 4. *Get a 1st loan up to 200 GHS, pay on time to move
up the ladder up to 1000 GHS.
You can as well click on this link to apply for a loan from fido