This is a special loan facility designed for our cherished customers mainly to finance short term needs and finance their dream household items like cars, furniture, television sets, school fees and fridges among other.

The customer must be receiving continual salary for 6 months prior to qualifying to access facility. The customer should not be defaulting in any facility at any other financial institution. New customers are required to open an ADB Account, receive salary through the ADB account for at least one month and provide six months statements from previous bankers.


  • The minimum salary should be GHS 200
  • The tenure is 6 Months ≤ Period ≤ 48 Months
  • Minimum overdraft/Limit = GHS 500, Maximum Overdraft/Limit = GHS 20,000
  • KYC Documentation for new to bank customers
  • Six months bank statement showing monthly salary or letter of appointment from employer
  • Additional one month evidence of salary to reflect in new customers account
  • Customers complete application form from branch ( this include a clause that allows the Bank to call in the facility if any adverse mention from a credit bureau review or otherwise)
  • Complete verification form from credit
  • Interest is ADB base rate + 4%-8.5% per annum
  • Overdraft arrangement fee = 2% of amount
  • Insurance cover prior to setting of limit – 1% of loan amount
  • Early redemption fee – 2% of outstanding loan amount if loan prepaid after 1 year, 1% of outstanding amount if loan is redeemed after 2 years.


  • Minimum – Maximum  Limits: GH¢200.00 – GH¢20,000.00
  • Quick turnaround time
  • Very competitive Rates
  • Flexible payment plan