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4Cedi Loan: How To Get a sum of ghc100 to ghc10,000 without collateral using this app.

how to apply for 4cedi loan
how to apply for 4cedi loan


The 4cedi loan app is a Fintech app that gives instant mobile loan to Ghanaian mobile users. It offers a range of personal loans to their customers that get approved without collateral. Their loans are available for in a range of time periods with fixed or variable interest rates, and your chances of getting higher loan increases when you repay your loans on time.

This article will give you a brief overview of how to get a sum of ghc100 to ghc10,000 without collateral using the 4cedi loan app.

What is 4cedi Loan?

4Cedi is an instant mobile loan app, which gives instant access to loans without the need of collateral.

You need to fill your correct personal information and a loan offer will be available to you in a jiffy.

What is the Interest Rate of 4cedi Loan?

The 4cedi loan interest rate ranges from 10% to 29% per annum.
Service charge: 0%.

For example:
If you apply for a loan of GHS20,00, the term is 150 days and the annual interest rate is 20%.

So the daily interest rate=20%/365=0.055%, the interest for 150 days =2000×20%/365×150=164, the totally repayment=2000+164= 2164

How much loan can 4cedi loan give?

4cedi loan offers a Loan Amount of GHS100 ~ GHS10000 – You can only be getting higher loan with lower interest when pay your loan on time.

4cedi loan levels
4cedi loan levels

What is 4cedi Loan term tenure?

4cedi’s Loan Term tenure starts from 7 days to 365 days depending on the amount loaned.

Who Is Eligible For 4Cedi Loan?

The Eligibility of the 4cedi Loan Application are:

  1. The applicant must be a Citizen of Ghana
  2. The applicant must be at the Ages of 22 to 55
  3. The applicant must Fill in the correct personal information about themselves.

How to contact 4cedi loan support team?

Below are the contact information of 4cedi loan, office address and their working hours.

Contact us: 0599606630
Service Email: [email protected]
Address:15 Ring Rd Link, Accra,GHANA
– operating hours:09:00-18:00

How To Apply For 4Cedi Loan?

Now, I am certain that almost all the questions buzzing your mind are answered, it’s time we tackle the actual loan application aspect!

To Apply for the 4Cedi Loan, You will need to download their mobile App from Google Playstore (Click Here To Download)

After the app is successfully installed, Lunch/Open it.

4cedi Sign up

4cedi sign up
4cedi sign up

As shown in the Screenshot Above, Fill in the space provided,

  • Phone (054588****)
  • Code(Click on GET, and you shall receive the code to use)
  • Pin (Enter a password you will remember)

Tick “I agree to the Privacy Policy” and Click on Sign Up.

Ps: When you type your phone number, you shall receive a One-time code, use that in the “Enter the OTP” Space.

Borrow Now

If you don’t see a page similar to the one below with Borrow Now botton, you should see a page with Test botton. Click on the Test or Borrow Now Botton.

4cedi loan
4cedi loan

Personal Information

A shown in the Screenshot below, provide accurate information about you to begin with your loan application.

4cedi loan application
4cedi loan application
  • Take photos of old or new Voter ID Card (Make sure is clear)
  • Name (First Name, second and last)
  • Voter ID Number
  • Gender (Male or Female)
  • Your date of birth

After you should click on NEXT.

Basic Information

Provide Basic Information About yourself.

Company Details

  • Company Name
  • Company Phone/Contact number
  • Company Location

Emergency Contacts

Over here, select two contacts number to serve as Reference. NB: They won’t call them unless you are unable to pay for your loan. Click on NEXT to proceed.

4cedi loan basic information
4cedi loan basic information

Bank Information

Provide the details of the bank you want to receive your loan into.

  • Bank Name (e.g Cal bank)
  • Branch Name (e.g Graphic Road Branch)
  • Bank account number
  • Email Address

Now click on Save.

4cedi bank information
4cedi bank information

Confirm Bank Account Information

You can’t modify the Bank Account details once submitted, so you must re-check your bank account account info before you submit.

4cedi loan bank information confirmation
4cedi loan bank information confirmation

Loan Application

After completion of all the necessary information, the loan offer will be available to you with the actual amount, interest rate, service fee, due amount and term tenure.

4cedi loan application offer
4cedi loan application offer

Please tick “I Agree to Borrowing Agreement” and Click on confirm.

You should receive your loan pretty soon.


We hope you enjoyed our article about how to borrow money without a collateral using the 4cedi loan app. If you ever need to borrow money without a collateral, the 4cedi loan app is a great place for you.

This article provides important information on how to borrow a loan and get it approved in few minutes.

If you have any queries or concerns, please don’t hesitate to ask them at 0599606630, you can as well share your thoughts with us in the comments – We would love to hear from you!

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Frank Osei Nyarko, Well-known as Supremo DM is a Digital Marketer, Website Designer, Song Writer, and Tech Enthusiast. - Reach me via any of the mediums below if you've got business to discuss. Email: [email protected] Call/Whatsapp: +233 545 880…


  1. Catherine yeboah says:

    Please I have been trying to call them but thier number is switched off so if they can get to me as soon as possible cox I’m having issues with the loan they disbursed

  2. Samiratu says:

    Please i apply for the loan but i didn’t receive the money. I even try to reach you but your number is switched off please let me know why i haven’t received the money because i don’t want to be arrested for something i didn’t do

  3. eamankwaa 1 says:

    I wanted to give 4cedi a try but it looks like a scam. When i open the app it shows i have been given a loan meanwhile i have not received any amount. It has also affected my credit ratings. Kindly do something about it.

  4. Afful-Prah Sandra says:

    Please i want to repay my loan but there is no number popping up

  5. Sarfo Kantanka Gyan says:

    Am trying to apply for a loan from your outfit but am with absa bank which is not captured among the list of banks in the application form. So what should I do to assess the facility with your outfit thanks

  6. Afful-Prah Sandra says:

    Please am trying to repay my loan and there is no number available and also I tried calling their number but it’s off

  7. Rehoboth maal says:

    You tagged me with a defaulter, meanwhile I don’t know anything about your loans. Please come clear and let me know who you are to avoid embarrassment.

    Thank you

  8. Nana says:

    Please I’ve been been trying to repay my lo but there’s no information available for me to use and also their number are not working

  9. Prosper says:

    Am done with the processing but didn’t get the money in my account..why??

  10. Vivian Mornah says:

    Eiiii, what is happening, I applied for a loan , did see it in my account yet when I log in ,they tell me to repay. Are you people real. Worst of it all your lines are off

  11. Riachrd says:

    Please how do you disburse your loan and how do one pays back the loan (what method).

  12. Andrews says:

    I applied for a loan. The app has indicated that the is loan approved and paid into my account but my account has not been credited with the amount. I’ve tried calling the line they provided but not going through. Yet I’ve been given a repayment date to pay. Is this a scam or what?

  13. Andrews TE says:

    No money has been sent to my account but shown on the that they’ve paid. Repayment date is given yet when I call the number no body picks the line. They should call me and request for their money when the repayment date is due and they will see pepper. Scammers

  14. Clifford Otoo says:

    Since I applied for a loan yesterday, I’ve not received the money yet but I called yesterday that it will be sent into my account.
    How many does will it take for the money to come

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