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

For these loans there is no application fee, no collateral is required for approval and processing is fast and simple. Under this facility the only requirement is either a guarantee or an undertaking from an applicant’s employers.
You must also have been an account holder for at least three (3) months and your monthly salary is received through any of our branches/ agencies.

1.    3 most recent pay slips
2.    National ID
3.    Staff ID
4.    Guarantor (co-worker or salary earning  person)

•    Direct deduction of loan installments at source (by employer)
•    Loan amount depends on net salary
•    Loan term ranges from 6 to 60 months
•    Quick disbursement (max. 4 hours)

•    Low and competitive interest rates (26% p.a.)
•    Quick loan disbursements
•    Simple loan assessments (no hassles)
•    Top-up loans


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 info@mcslghana.com

Contact us

Tel: +233-03220-37418 / 37419  
Fax: +233-03220-37420
Email: info@mcslghana.com