E-Mail: info@ffslghana.com

At Freann Finance Loans Division we can provide unsecured and secured loans from GH¢100 to GH¢25,000 for any purpose.

Best Consolidation Loans

A consolidation loan is a great way of taking control of your finances by reducing your payments into a single lower monthly repayment.

Best Unsecured Loans

An unsecured loan brokered through the Freann Finance Loans Division can be taken out for any loan purpose, and whatever your personal circumstances.

Best Debt Help

There is no such thing as a debt problem that cannot be resolved. At Freann Finance Loans Division we have access to advisors who specialize in helping people in financial difficulty.

If you are seeking a consolidation loan then why not find out more about a debt management plan. For further information on debt help and advice or to speak to someone about debt help and ad At FFLD we are dedicated to helping our customers bridge the gap between paydays from the privacy and comfort of their own home. Our cash advance loan services are a quick solution for your immediate financial needs. Make Anyday Payday with a hassle-free payday loan from FFLD or its lending partners and benefit from:

“You guys are great I’ll remember you in the future and definitely apply for some more loans. Thank you, you guys are life savers. My wife and I appreciate it very much, you truly are life savers, you are the best.”—Nana Akomea. – Cantonments

  • Five-minute online cash advance application
  • Instant approval, cash deposited next business day*
  • 24/7 customer service, for answers day or night
  • Less-than-perfect credit not a problem for payday loans†
  • No faxing or extra paperwork required
  • Payday loan services from the confidentiality of your home

What kinds of loans does FFLD offer?

Payday Loans — Payday Loans are short-term loans with a small Cedi amount that are usually repaid upon your next payday.

Installment Loans — A medium-term loan, usually with a higher loan amount than payday loans, is repaid gradually in installments. The loan may be repaid early at any time with no prepayment penalties.

Credit Service Organization Loans (CSO Loans) — A short-term loan provided by one of the lenders we work with and repaid upon your next payday. As a Credit Services Organization, FFLD will attempt to arrange and service a loan between you and a third party lender.

More on Payday Loans and CSO Loans

Payday loans and CSO loans could be the quick and easy solution when you need a loan days or even weeks before payday. Do you have a flat tire and need to get it fixed fast? Is your Bank threatening you with yet another late fee if you don’t pay off your bill that week? Get the cash you need when you need it, with payday loans and CSO loans from FFLD (subject to approval). You could have cash deposited directly into your bank account as soon as the next business day.

Can You Extend Payday Loans and CSO Loans?

You have 3 options when it comes to repaying your payday loans and CSO loans:

  • Payment in Full: First is to pay off the loan in full when your next payday arrives.
  • Extension: If for whatever reason you cannot make your loan repayment in full on your first payday, you may extend your loan and pay only the fees which are due on your first payday. Your loan will then carry over until your next pay cycle at which time your principal and new loan fees are due. The availability of an extension is subject to approval by FFLD and individual requirements.
  • Partial Payment: If you are unable to make your full payment, you may also pay off the fees on your loan and pay some of the principal of the loan on your first payday. This partial payment of your principal on your first payday will lower the outstanding principal on your loan. Since the loan principal you owe is now lower, the amount of your loans fees will also be lower as a result of your partial payment. Your remaining loan principal and fees will be due at the end of your next pay cycle. Payday Loans and CSO Loans extensions are not available in all states.

How Do I apply for Payday Loans and CSO Loans?

Do you have an active checking account? Have you been employed and receiving a steady paycheck for 1 month or more? If you are 18 years or older and a permanent resident of Ghana you may be eligible to receive payday loans or CSO loans today! Less-than- perfect credit is not a problem! Apply today and get the cash you need fast with FFLD. Fill out our quick and easy to understand application from the comfort and privacy of your own home and be on your way to the cash advance you need today!


The Freann Financial Services Limited Microfinance Scheme

FFSL administers very small “micro” loans to the working poor in support of their small scale enterprise and business operations. This hard-to-reach population of petty traders forms the backbone of daily economic activity in Ghana, yet it is often denied access to financial services at larger banking institutions. FFSL goes into the field to serve the working poor in their own communities, providing small, manageable loans and a reliable network of support. In this way, clients successfully grow their businesses, repay their loans, and achieve financial self-sustainability


FFSL clients can choose from a variety of diverse, market-driven products. Clients engaged in Income Generating Activities (IGA’s) – petty trading or the sale of basic services – have access to two group loan products, known as the Compulsory Savings Loan (CSL) and Susu Savings Loan (SSL). Entrepreneurs operating Small and Medium Enterprises (SME’s) – businesses that perform value-adding services to goods before sale or IGA’s that have grown to require a large investment – can select the third FFSL loan product. All FFSL loans include complementary business skills training and a built-in savings component, so that clients learn to adopt positive savings habits and gain the skills to become successful entrepreneurs.

Microfinance Products and Services

FFSL offers five (5) different microfinance products namely:

1. Compulsory Savings Loans (CSL)
2. Collateral Loans (CL)
3. Agricultural Loans (AL)
4. SME Loans (SL)
5. Individual Loans (IL)

The above products are provided under both individual and group lending methodologies.

1. Compulsory Savings Loans (CSL)

The compulsory savings loan employs the group methodology concept. It requires that clients make weekly contributions during the loan cycle, until they have saved at least 20% of the loan size required.

2. Collateral Loans (CL)

This product involves a mandatory 12-week collateral savings programme after which loans equal to two times the amount saved during that period is extended to the client.

3. Agricultural Loans

Agricultural Loans are targeted at individuals and group of farmers of privatized farms, Fishermen and fish mongers, livestock owners and those engaged in Agro-business.

4. SME Loans

FFSL SME Loan is targeted at small medium enterprises, for the purchase, construction or repairs of a commercial property, business expansion or working capital, however due to the size of the loan to be taken and the size of the business, it’s not made to be part of a group.

5. Individual Loans

Individual Loans are designed for clients and non clients that have specific needs beyond the group lending model. Loans are given to an individual outside of the group lending process. Amounts are typically higher than that of the income generating loan and repayments are less frequent. Applicants must complete a strict business appraisal process and have both collateral and a guarantor.
Areas of Microfinance
Business skills training

FFSL believes that loan provision is most beneficial when combined with training in basic business skills.

Credit group banking

FFSL’s group loan format offers a peer-based, participatory approach to financial management

For advice then please email us at info@ffslgh.com or Call 0243268153