Salary Backed Loan Learn More No collateral required Borrow up to GHS 150,000 × Type Details Salary Backed Loan Our Salary Backed Loan is designed to support employees of profiled (selected) organizations to meet their short to medium-term financial needs. It offers a simple loan process, a flexible repayment plan, and competitive loan rates. Download Form Benefits of Salary Backed Loan: No collateral required Flexible repayment periods up to 60 months A quick and easy loan application process Borrow up to 450,000(Terms & Conditions apply) Top up your existing loan Credit life insurance cover against retrenchment, total permanent disability, or death Transfer your loan from other banks at concessionary terms Features: Debt service ratio of up to 45% Maximum loan term - 48 months Concessionary interest rates Takeover of an existing loan (Terms & Conditions apply) Repayment from Fidelity Salary Backed Account via standing order Qualifying minimum net monthly salary of GHS 1,000. Get Started Today: Call 0800 003355 | Email | WhatsApp | Visit a Branch Employer Managed Loan Employer Managed Loan Learn More No collateral required Borrow up to GHS 200,000 × Type Details Employer Managed Loan The Employer Managed Personal Loan is a medium-term facility designed for salaried employees working in organizations listed under our approved Employer Managed Salaried Programme. It offers enhanced benefits, a repayment plan, and lower rates. Download Form Benefits: No collateral required Flexible repayment periods up to 60 months A quick and easy loan application process Competitive interest rates on loan Higher loan amounts - up to GHS 200,000 Top up your existing loan after 3 months ( Terms & Conditions apply) Credit life insurance cover against retrenchment, total permanent disability or death Transfer of loans from other banks at concessionary terms (Terms & Conditions apply) Features Debt service ratio of up to 50% (depends on net monthly salary) Maximum loan term - 60 months (depends on net monthly salary) Maximum loan amount - GHS 200,000 Pricing: concessionary interest rate negotiated with the employer Qualifying minimum net monthly salary is GHS 700 Get Started Today: Call 3355 | Email | WhatsApp | Visit a Branch Salary Backed Loan Employee Salary Advance Employee Salary Advance Learn More Up to 60% of net monthly salary Flexible repayment of up to 3 months × Type Details Employee Salary Advance Our employee salary advance facility is designed to support employees of profiled (selected) organizations with a personal overdraft product tailored to meet the short-term cash flow needs in between paydays or before the next pay cheque or salary date. Download Form What we offer Up to 60% of net monthly salary Interest rate calculated on ONLY the utilized amount Flexible repayment of up to 3 months Competitive interest rates on borrowings A quick and easy loan application process. (Available on the Fidelity Mobile app Apply in the comfort of your location) How to get it To qualify for the loan you must be: Working for any of Fidelity Banks’ profiled organizations or Self-employed customers with verifiable consistent income flows Employed for duration above 12 months and confirmed Over 21 years and under 60 years by the end of the loan term How to apply and what you need Complete a Salary Advance request form or apply via the Fidelity Bank Mobile app and provide the following documents: Last 3 months payslips Signed Customer Acceptance letter and Employer Confirmation Employer Managed Loan Public Sector Source Deduction Loan Public Sector Source Deduction Loan Learn More No collateral required Borrow up to GHS 300,000 × Type Details Public Sector Source Deduction Loan Our loan application process is designed to support public sector employees on the Controller and Accountant General's Department payroll to meet their short to medium-term financial needs. It offers a simple loan, a flexible repayment plan, and competitive rates. Download Form Apply Now What we offer No collateral required Flexible repayment periods up to 48 months A quick and easy loan application process Competitive interest rates on loan Borrow up to GHS 300,000 (Terms & Conditions apply) Top up your existing loan Credit life insurance cover against retrenchment, total permanent disability, or death How to get it To qualify for the loan you must be: A public sector worker on controller and Accountant General’s payroll Over 21 years and under 60 years by the end of the loan term How to apply and what you need Complete a Direct Source Deduction Loan application form and provide the following documents: Last 3 months payslip Passport picture Valid National ID E-mandate form Loan Advance Authority Note Letter of undertaking from employer Employee Salary Advance
