Personal Loans

Transparent personal lending for Ghanaians

Personal Loan Overview

One product, clear terms — designed for individuals across Ghana

Personal Loans

MACJESS LIMITED offers personal loans only — for home improvements, medical expenses, travel, emergencies, and other individual needs. We do not offer business, education, or other loan types.

  • Loan amounts: GH₵ 1,000 – GH₵ 100,000
  • Maximum interest rate: 36% per annum and 3% per month
  • Repayment period: 3 – 24 months
  • No collateral required for qualifying applicants
  • Applications reviewed during business hours based on eligibility and documentation
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Home & Living

Repairs, rent, appliances, and household needs — funded through your personal loan.

Health & Family

Medical bills and family expenses covered under the same personal loan product.

Life Events

Travel, celebrations, or urgent personal costs — not separate loan categories.

How It Works

A clear, step-by-step personal loan application process

1. Apply Online

Complete our application form online with the required information

2. Application Review

Your application is assessed according to our eligibility and credit criteria

3. Sign Documents

Review and sign your loan agreement digitally

4. Disbursement

Approved funds are disbursed to your account after the loan agreement is signed

Frequently Asked Questions

Common questions about our personal loans

You'll need a valid Ghanaian ID (Ghana Card, Driver's License, or Passport), proof of income (recent payslips or bank statements), and proof of residence.

Each application is reviewed during business hours based on your documents, income verification, and credit assessment. Processing time may vary depending on the completeness of your submission.

The maximum personal loan amount is GH₵ 100,000, subject to eligibility, income verification, and credit assessment.

Personal loan interest rates do not exceed 36% per annum or 3% per month. Your actual rate depends on loan amount, term, and credit assessment, and will be shown clearly before you sign.

Interested in a personal loan?

Contact us to learn about personal loans and start your application.

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