Loans & Financing

The Multi Credit Project Financing Loan assists applicants to finance and complete their projects within a limited period of time. The amount required from Multi Credit Savings & Loans Ltd to finance the project should fall within the maximum loan that will be required.

This is a loan/credit facility for the purchase of home used or brand new vehicles from local and international authorized dealers.

- Maximum amount should not exceed gross annual salary
- Trade-in options available in at least every 2 years

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This product is designed to meet the working capital needs of contractors and vendors of reputable organizations. The product is for clients who are awarded tenders to supply goods and services. The Bank can study their contract/orders and consider advances against the said contract/orders or the appropriate amount of outstanding due for payment.
The product also provides financing for outstanding receivables.
They are a short-term and are given for a maximum period of 3 months (60 days).

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The Corporate Loan is intended for Multinational Institutions, Large, Medium, Small Local companies in Ghana. Our experience in loans disbursement and management is replicated to provide comprehensive financial solutions within our chosen market.
The corporate loans are for current account holders.

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This product is designed to reward Taxi and Totro Drivers for their contribution to society. It is the company’s corporate social responsibility to buy Vehicles for Taxi and Trotro drivers to own their own cars.

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A loan facility for salaried workers who maintain current or savings accounts with us.  Usually for a minimum of 48 months repayment period.
- Employee Loan
- Settlement Loan
- Over Draft
- Funeral Loan
- Salary Advance

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This is a loan product aimed at assisting the customer to buy and build a home or make improvements on the customer’s existing home. This is a way of getting customers to own their property like houses in Ghana. MCSL offers home loans at very competitive prices. MCSL ensures that every customer with different credit profile and income level is assured of home financing.

This product is a written irrevocable undertaking issued by MCSL to pay to the beneficiary a specific sum of money on demand in the event that its customer (applicant) has not fulfilled his contractual obligations, within the validity of the guarantee. Guarantees can be local or foreign.

This facility has been designed to ease the financial burden on our cherished customer.  Just present your ward’s educational bills, admission fees, terminal school bills, academic user fees etc for senior high school and tertiary institutions.

Adepa loan scheme is specially designed for entrepreneurs to enable them develop their businesses.

Aimed at both existing and new customers, this product is designed to meet the credit needs of some of our valuable and credit worthy customers with immediate effects.

This product is aimed at assisting importers clear their goods and it is approved for a very short term with a maximum period of two (2) months.


Multi Credit Savings & Loans Limited started as a Community Bank in Kumasi.  It was incorporated as a private limited liability company under the Companies Code 1963 (Act 179) on 17th September, 1998 and licensed by the Bank of Ghana on 5th July, 1999.

Customer care

We ensure all our clients get the best quality service. If you have a problem, feel free to contact the nearest branch for redress or resolution. You can also send us an email on

Contact us

Tel: +233-03220-37418 / 37419  
Fax: +233-03220-37420