Access affordable loans repaid directly from your payroll. No guarantors needed for eligible workers. Fast approval, transparent offers.
Designed specifically for salaried workers with payroll deduction - the safest, most affordable way to borrow.
Repayments automatically deducted from your salary - no missed payments.
AI-powered document checks and automated scoring for quick decisions.
See exactly what you'll pay - interest, fees, and total repayable before signing.
Full data protection, consent management, and audit trail on every step.
From eligibility check to disbursement in a few simple steps.
Quick screening to confirm you qualify before any paperwork.
Create your account with phone OTP verification.
Upload Ghana Card, payslips, and proof of employment.
Review your loan amount, tenor, and repayment schedule.
Sign your agreement and confirm payroll deduction mandate.
Funds sent directly to your bank or mobile money account.
Not sure if you qualify? Use our 2-minute eligibility check - no documents needed, instant result.
2 minutes · Instant result
Answer 6–10 quick questions about your employment and income. We tell you instantly if you likely qualify - before collecting any documents.
No credit check · No documents needed
Join thousands of salaried workers who have accessed affordable credit through KaMa Credit.