From emergency funds to business expansion, our community-backed lending solutions provide fair
terms without hidden fees. Your Susu participation strengthens your approval odds.
24hrs
Average Approval Time
8.5%
Starting APR
GH₵25K
Maximum Loan Amount
Loan Policy Statement
Afix Micro Lending Enterprise is committed to providing fair and consistent loan services to our clients.
Below is our Loan Policy Statement, outlining the terms and conditions under which you may access loans.
Purpose
The purpose of this policy is to ensure that our loan processes are conducted in a fair, consistent, and risk-reducing manner.
Eligibility Criteria
1
Active Customer Requirement
To qualify for a loan, the applicant must be a known and active customer of Afix Micro Lending Enterprise for at least three (6) months.
Clients with no customer history will not be considered, unless their guarantors are members of Afix Micro Lending Enterprise for over 6 months.
2
Daily Contribution Assessment
The applicant's daily susu contributions will be reviewed to evaluate their saving discipline and reliability.
3
Loan Amount Determination
The daily susu savings deposit amount made by the customer directly influences the loan amount they may qualify for.
Regular, higher contributions can qualify a customer for a larger loan.
Loan Application Requirements
To apply for a loan, the customer must provide:
A valid ID (Ghana Card, Passport, or Driver's License)
A guarantor who is a member, yet responsible and traceable
Acceptable collateral
Salary and payslip (if employed)
Proof of Business (self-employed) document
Loan Approval Conditions
All documents and collateral will be verified by the loan officer.
Guarantors must present valid identification and agree to the terms.
Collateral will be held until the loan is fully repaid.
Enforcement and Default
In the event of default or refusal to repay the loan, we may:
Seize the submitted collateral to recover the loan.
Contact and hold responsible the guarantor, if necessary.
Take legal action as a last resort in cases of refusal or fraud.
Contact Information
For any questions or concerns, please visit us at Takoradi / Kojo Krom, or call us at
+233 555 006 634.
You can also reach us via
afixmicrolending@gmail.com.
Thank you for choosing Afix Micro Lending Enterprise.
Our Loan Products
Transparent terms, fair rates, and community
support for every financial need
Personal Loans
GH₵500 - GH₵5,000
Perfect for personal expenses, debt consolidation, or unexpected
opportunities.
APR Range:8.5% - 18.9%
Term:6 - 36 months
Approval Time:24 - 48 hours
Origination Fee:None
Susu Member Benefits
• Up to 2% APR discount
• Faster approval process
• Higher loan amounts
Most
Popular
Group Loans
GH₵1,000 - GH₵25,000
Fuel your entrepreneurial dreams with flexible business funding
solutions.
APR Range:9.9% - 24.9%
Term:12 - 60 months
Approval Time:1 - 3 business days
Origination Fee:1% - 3%
Business Support Included
• Free business mentorship
• Financial planning tools
• Community networking
Emergency Funds
GH₵100 - GH₵2,000
Quick access to funds when life throws unexpected challenges
your way.
APR Range:12.9% - 29.9%
Term:3 - 12 months
Approval Time:Same day
Origination Fee:None
Emergency Features
• 24/7 application process
• Instant pre-approval
• Same-day funding
Check Your
Eligibility
Get instant pre-qualification without affecting your credit score
Great News! You
Pre-Qualify
GH₵3,500
Estimated Loan Amount
12.5%
Estimated APR
GH₵156
Monthly Payment
*Pre-qualification does not guarantee final approval. Final
terms may vary based on full application review.
Success Stories
Real borrowers, real results, real impact on their lives and
businesses
Maria Rodriguez
Catering Business Owner
GH₵3,000
Business Expansion Loan
"The GH₵3,000 loan helped me purchase commercial kitchen equipment. My catering business
expanded by 200% in just 8 months. I went from serving 20 events per month to over 60!"
200% Business Growth
James Thompson
Auto Repair Shop Owner
GH₵8,500
Equipment Purchase Loan
"Needed diagnostic equipment to compete with larger shops. The loan approval was fast, and the
mentorship program helped me create a solid business plan. Revenue increased 150%."
150% Revenue Increase
Sarah Williams
Online Boutique Owner
GH₵1,200
Emergency Business Loan
"When my supplier required upfront payment for holiday inventory, AFIX's emergency loan saved my
season. Same-day approval meant I didn't miss the opportunity."
Same-Day Funding
Loan Calculator
Experiment with loan amounts and terms to find what works for
your budget
%
Loan Summary
Monthly PaymentGH₵234
Total InterestGH₵616
Total AmountGH₵5,616
Susu Member Benefits
Save GH₵156 with member
discount
Simple Application
Process
From application to funding in as little as 24 hours
1
Complete Application
Fill out our simple online form with basic information about yourself
and your loan needs.
Required Documents:
• Government-issued ID
• Proof of income
• Bank statements (3 months)
2
Instant Review
Our advanced system reviews your application and provides instant
feedback on approval likelihood.
Review Timeline:
• Instant pre-approval
• 1-4 hours verification
• Same-day decision
3
Get Approved
Receive your loan decision with clear terms, no hidden fees, and
transparent repayment schedule.
Approval Features:
• Clear loan terms
• No hidden fees
• Flexible repayment
4
Receive Funds
Funds are deposited directly into your bank account, often within 24
hours of approval.
Funding Options:
• Direct bank deposit
• Same-day funding
• Secure transfer
Track Your
Application Progress
Applied
2
Under Review
3
Approved
4
Funded
Community-Backed Lending
Your participation in Susu groups strengthens your loan application and unlocks better terms
through community trust.
Better
Interest Rates
Active Susu members receive up to 2% APR discount on all
loan products.
Faster
Approval
Community participation history accelerates the
underwriting process.
Higher Loan
Limits
Established community members qualify for larger loan
amounts.
