Our Loans

School Development Loan

School Development Loan is targeted at privately owned registered pre-school, primary, JHS and vocational schools, to aid in the overall development of future school projects. These include expansion projects as well as purchase of other assets

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  • Flexible Repayment
  • Competitive interest rates
  • Flexible collateral policy

SME Loan

These are loans designed to support SME businesses. We offer both working capital loans and investment loans. The working capital loan is tailor made for businesses to purchase stocks and to clear goods. The investment loan is designed to support Medium and Large businesses to purchase fixed assets, for building, refurbishment, business rent, etc.

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  • Loan amount: minimum ghc 5,000
  • Competitive interest rates
  • Flexible collateral: property or land, guarantor, pledge on fixed assets, etc.
  • Loan duration from 3 months up to 36 months
  • Monthly repayment plan
  • Possible grace period

Micro Loans

Our micro loans are designed to support businesses or entrepreneurs who desire to expand their business, acquire fixed assets and increase stock.

Group Business Loan [+]
  • Group size: 3 to 6 members
  • Competitive interest rate
  • Reducing balance interest rate (as you pay, your interest rate reduces)
  • Loan duration from 3 months up to 24 months
  • Monthly repayment plan
  • Quick delivery of the loan
  • Flexible collateral: group as a guarantor, pledge on fixed assets, etc.
Individual Business Loan [+]
  • Competitive interest rate
  • Reducing balance interest rate (as you pay, your interest rate reduces)
  • Duration from 3 months up to 36 months
  • Monthly repayment plan
  • Quick delivery of the loan
  • Possible grace period
  • Flexible collateral

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  • Loan duration from 3 months up to 36 months
  • Loan amount depending on salary
  • Competitive interest rates
  • Flexible collateral
  • Monthly repayment plan
  • Quick processing time

Auto Loan

Auto loan offers Advans clients the opportunity to access vehicles for commercial purposes, transportation of goods or private cars.

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  • Loan amount: depending on the car
  • Competitive interest rates
  • Flexible collateral
  • Loan duration from 12 to 36 months
  • Flexible repayment plan
  • Possible grace period

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  • Competitive interest rates
  • No collateral is needed
  • Flexible duration
  • Repayment plan

Guarantor Smart Loan

This loan is aimed at the entrepreneurs who are guarantor of micro loan clients. We offer the opportunity to the guarantor to access to a small loan.

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  • Loan amount: from ghc 1,000 to ghc 30,000*
  • Competitive interest rates
  • Flexible collateral: property or land, guarantor, pledge on fixed assets, etc.
  • Loan duration from 3 months to 12 months
  • Monthly repayment plan 
* These figures are subject to changes, please contact an agent to get confirmation.