Advans Digital Loan

    MobiCash — ƐyƐ Pashew!

    Access the funds you need instantly, without visiting a branch.

    At Advans Ghana, we are committed to making financial services more accessible, convenient, and inclusive for every Ghanaian. That is why we are proud to introduce the Advans Digital Loan (MobiCash) — a fully digital credit solution that puts the power of borrowing right in your hands, available 24/7 through your mobile phone.

    What Is the Advans Digital Loan?

    The Advans Digital Loan is the digital version of Advans Ghana’s trusted business and personal loan offerings, delivered directly through our mobile banking platform, Mobibank (USSD Code – *791#). It is designed for individuals and small businesses who need quick access to short-term financing without the delays of a traditional loan process.

    Whether you need funds to restock your business, cover an emergency, pay school fees, or manage a cash flow gap, the Advans Digital Loan gives you fast, reliable credit with no branch visit required.

    Key Features

    • Instant disbursement — Loan funds are credited to your Advans account within minutes of approval
    • Fully digitized process — Apply, get approved, and receive funds entirely on your phone via USSD Code (*791#)
    • Available 24/7 — Access credit any time of the day or night, including weekends and public holidays
    • Simple repayment — Repay directly through Mobibank at your convenience
    • Transparent terms — View your loan contract, balance, and due date at any time via the Mobibank shortcode (*791#) and on Advans Ghana’s website.
    • Loan amounts — Eligible clients can access up to GHS 30,000 depending on their credit profile

     

    Who Can Apply?

    The Advans Digital Loan is available to existing Advans Ghana clients who meet the following criteria:

    • Hold an Advans savings or current account with full KYC (Know Your Customer) verification
    • Have a satisfactory or good credit score and repayment history
    • Have no existing parallel digital loan, Advans Spot Loan, or Advans Overdraft facility currently running
    • Are not a defaulter with Advans or any other financial institution
    • Pure deposit clients with investment portfolios are also eligible for consideration

     

    Early repayment benefit: Clients who repay their loan early may be eligible for renewals of up to 120% of their initial eligible amount, subject to a maximum of GHS 30,000.

    How to Get Your Loan — Step by Step

    Getting an Advans Digital Loan takes just a few simple steps on your phone.Pre-requirement: You must ensure you are active Advans Ghana account holder and have subscribed to the Advans Mobibank product. You can visit the nearest branch to complete this pre-requirement.

    1. Dial *791# to open Advans Ghana Mobibank
    2. Select “Digital Loan” from the main menu
    3. Choose “Get a Loan” and select your customer profile
    4. Enter your Mobibank PIN
    5. Enter your desired loan amount within your eligible range
    6. Review your loan summary — including loan amount, processing fee, insurance,  repayment amount, and due date
    7. Read and accept the loan contract (available at www.advansghana.com/digitalloan/contract)
    8. Receive your funds — an SMS confirmation will notify you once your account is credited

    It’s that simple. No paperwork. No queues. No waiting.

    Repaying Your Loan

    Repaying your Advans Digital Loan is just as easy as getting one:

    1. Dial *791# and select “Digital Loan”
    2. Choose “Repay My Loan” and select your customer profile
    3. Enter your Mobibank PIN
    4. Review the repayment amount and confirm
    5. Receive an SMS confirmation of your repayment

    You can also check your outstanding loan balance and due date at any time by selecting “Check Loan Balance” from the Digital Loan menu.

    Why Choose the Advans Digital Loan?

    For You, Our Client

    • Easy access to credit whenever you need it most
    • No branch visits — manage everything from your phone
    • Greater financial inclusion — designed to serve individuals and small businesses across Ghana
    • Improved experience — fast, transparent, and stress-free borrowing

     

    For Your Business

    Whether you are a trader needing to restock inventory, a sole proprietor managing cash flow, or an individual facing an unexpected expense, the Advans Digital Loan is built around your real needs — giving you the flexibility and speed to keep moving forward.

    Your Loan, Your Terms — Always Transparent

    We believe in honest, responsible lending. With the Advans Digital Loan, you will always know exactly what you owe. Before any loan is disbursed, you will see a full breakdown of:

    • Amount disbursed
    • Processing fee
    • Insurance fee
    • Total repayment amount
    • Due date

    Your loan contract is stored digitally and accessible at any time at https://advansghana.com/advans-digital-loan-agreement/.

    Need Help? We’re Here for You

    If you experience any challenges with the digital loan service, our dedicated customer service team is ready to assist. Complaints are resolved within a 5-working-days.📧

    Email: customercontact@advansghana.com 📞 Call: 0800 355 355

    Get Started Today

    The Advans Digital Loan is available now to all eligible Advans Ghana clients on Mobibank via USSD Code *791#.Don’t have a Mobibank account yet? Visit any Advans Ghana branch near you to open an account and unlock access to our full range of digital financial services.

    Dial *791# now and experience the future of lending with Advans Ghana.

    Advans Ghana Savings & Loans | Growing Together | Terms and conditions apply. Credit is subject to eligibility criteria and approval.