Never run out of stocks due to cashflow again
Ghinko offers entrepreneurs the opportunity to easily access loans in a quick, transparent and efficient environment.
OUR LENDING SERVICES
Ghinko helps to handle your immediate needs.
Whether you are looking for extra money to boost or start your business, or a personal assist for a holiday trip, car mentanance, Ghinko loans enables you to secure an amount to handle your immediate needs and pay back later with little interests rates.
How to apply
Get to know how to apply to Ghinko's loan service
Register
Register for a s account
Activate
Activate and setup our lending services
Apply
Apply for a loan
Evaluate
Get your loan request evaluated
Approve
Your loan gets approved
Withdraw
Withdraw your money
Enjoy flexible interest rates with longer repayment plans.
Without a fixed interest rate, you can enjoy up to 18 months installment payments on GHINKO with the lowest interest rates and credit score on early and one-time repayments.
Flexible, Quick Microloans
Get fast, flexible microloans to fit your needs, no matter the goal. From launching a business to covering rent or travel, we make borrowing simple and quick, so you can focus on what is next.
Startup
Affordable funding to help entrepreneurs start and grow their businesses.
Restaurant
Flexible financing designed to support restaurant owners and food services.
Travel
Convenient loans to cover travel costs for leisure or work.
Tuition
Financial support for education-related expenses and tuition fees.
Furniture
Loans to furnish or upgrade your home or office spaces.
Rent
Reliable rental assistance to cover monthly or deposit payments.
General FAQs
Everything you need to know about the products and how it works. Can't find an answer? Live us an email.
Ghinko Micro Loan services is a product that offers short-term to long-term loans to individuals, entrepreneurs, and SMEs who may have limited access to traditional financing options. These loans are designed to support and empower borrowers in achieving their financial goals and growing their ventures.
To activate the Ghinko lending service, log into your Ghinko account, go to the Ghinko loans and click Activate. You will be asked to pay a one-time activation fee of $10 USD, or equivalent in your local currency. Once your account is activate you can apply for loans instantly.
With an active Ghinko Finance Account, the Ghinko online lending service can offer you a lone anywhere from $50 USD right up to to $250,000 at the moment. This amount varies per client capacity and the more you use the Ghinko services, the more loans you can take.
Ghinko offers the lowest interest rates on both personal and business loans ranging from 3.5% to 5% p.a. and varies based on the loan type and purpose of loan.
If your loan application gets rejected, you can reapply on a later date. You will always be provided with the reason(s) of the rejection and provided with tips on how to the loan the next time you apply
As many times as you want once you have settled your previous loans. There is no limit to the number of times you can secure a loan from Ghinko Finance. The more loans you take and pay back, the larger the amount you can borrow on your next loan.