Empowering Ghanaians with Smart, Simple Credit
Kama Credit, from Kama Financial Services, provides honest and affordable loans to individuals, workers, and small businesses across Ghana — paid directly to your mobile money or bank account.
No hidden fees. Transparent terms. Responsible lending.
What is Kama Financial Services?
Kama Financial Services is a Ghanaian fintech company dedicated to helping people access fair credit and manage money better. Our flagship product, Kama Credit, offers responsible micro-loans to salary workers, traders, small business owners, and community groups across Ghana. We prioritize transparency, financial education, and customer well-being in all our services.
Kama Credit – Loans Designed for Real Life
We understand the realities of life in Ghana — whether it's school fees, rent, stock for your shop, medical bills, or unexpected delays in salary. Kama Credit was built to help you handle these moments with dignity and clarity.
Loan amounts, interest rates, and repayment periods are determined after an affordability and credit assessment. This sets expectations that terms depend on individual circumstances and that we practice responsible lending by assessing ability to repay.
Business Micro-Loans
Short to medium-term loans for traders, shop owners, and small businesses to purchase stock, expand operations, or manage cash flow.
Personal & Salary Loans
Loans for salaried workers and individuals to cover urgent needs such as school fees, rent, health expenses, or family projects. Repayments are structured around your income cycle for convenience.
Group & Association Loans
Community-based loans for groups, unions, and associations where members support one another and guarantee each other's loans, fostering accountability and mutual support.
How Getting a Kama Credit Loan Works
This section outlines the step-by-step process of obtaining a loan from Kama Credit. Breaking it down into steps adds transparency and helps users know what to expect, building trust that there's a straightforward procedure.
Apply Online
Fill out our simple online application with basic personal and business details.
Verification
Our team quickly reviews your information and performs eligibility checks (using both traditional and alternative credit scoring).
Approval & Funding
Once approved, funds are disbursed directly to your mobile money or bank account within a few days.
Repayment
Repay through flexible weekly or monthly installments via convenient channels (mobile money, bank transfer, etc.). We send reminders to help keep you on track.
Grow Your Credit
Successful repayment improves your credit history, qualifying you for larger loans in the future.
Save As You Pay
We offer flexible repayment options, allowing you to pay back your loan in installments over time.
Why Ghanaians Choose Kama
Local Understanding
We design our products around the real lives of Ghanaian workers, traders, and families.
Transparent Pricing
No hidden fees. All costs are explained upfront before you sign.
Responsible Lending
We assess affordability to avoid over-indebting our customers, ensuring loans are safe and manageable.
Fast Disbursement
Approved loans are paid out quickly to your Mobile Money wallet or bank account.
Human Support
Friendly local agents and support staff are available to guide you through the process and answer questions.
Learn, Plan, and Grow with Kama
We don't just lend money — we help you use it wisely. Explore our simple resources to improve your budgeting, saving, and debt management skills.
Budgeting Mastery
Learn how to track income and expenses, set spending priorities, and avoid wasteful spending.
Income and Expense Tracking
Simple methods to track your income and expenses effectively
Setting Spending Priorities
Learn how to prioritize your spending and avoid wasteful expenses
Creating Your First Budget
Step-by-step guide to creating a budget that works for your lifestyle
Savings Goal Calculator
What Our Customers Say
Trusted by customers across Ghana
"Kama Credit helped me expand my shop when I needed stock urgently. The loan process was simple and the money came to my mobile money quickly. I'm grateful!"
Sarah J.
Shop Owner
Ready to take your next financial step?
Whether you're a salaried worker, trader, or small business owner, Kama Credit can help you handle today's needs and build tomorrow's opportunities.
Bank-Grade Security
Your data and money are protected by advanced encryption
24/7 Support
Our dedicated team is always ready to assist you
No Hidden Fees
Transparent pricing with no surprise charges