Terms of service.

By accessing or using Kim Loans, applying for a loan, or opening an investor account, you agree to be bound by these Terms of Service and by the Loan Rules. If you do not agree, please do not use the service.

Kim Loans provides a digital lending platform in Ghana. Borrowers apply for loans, receive approved funds via Mobile Money, and repay in scheduled weekly or monthly installments. Investors deposit funds that finance the loan book and earn interest at a fixed monthly rate agreed with Kim Loans.

• You must be 18 years or older to apply for a loan or open an investor account.
• You must hold a valid Ghanaian ID (Ghana Card) and an active Mobile Money number registered in your name.
• You should have a regular source of income sufficient to meet your repayment obligations.
• Only apply for what you can comfortably repay.

Before your first disbursement, you must complete identity verification (KYC), including your Ghana Card details and a photo. We also carry out a credit assessment of every application — reviewing your stated income, employment, repayment history with us, and, where required, a guarantor. We may decline any application at our discretion, and providing false information is grounds for rejection and permanent exclusion.

• Each loan product publishes its interest rate (per week or per month), processing fee percentage, late fee, and grace period.
• Before you apply, you receive a quote showing the exact interest amount, processing fee, installment amount, and total repayable in GHS.
• The processing fee is deducted once from the disbursed amount. Your total repayable is fixed at approval and does not increase if you pay on time.
• Early repayment is allowed at any time without penalty.

• Installments are due on the schedule in your loan agreement and are paid via Mobile Money.
• A grace period applies after each missed due date; after it lapses, the product's fixed late fee is added to that installment.
• Loans that remain unpaid beyond their grace periods may be marked as defaulted. Default blocks access to new loans, may involve your guarantor, and may lead to lawful recovery action.
• If you anticipate difficulty paying, contact us before the due date — restructuring is possible; ignoring the debt is not.

• Investor funds finance loans issued through the platform. Your interest rate is agreed with Kim Loans when your account is opened, typically as a fixed rate per month on your balance.
• Interest is credited monthly and recorded in your investor ledger, visible in your dashboard.
• Deposits and withdrawals move via Mobile Money. Withdrawal requests are honoured promptly; large withdrawals may require a short processing window.
• Investor returns depend on the performance of the loan book. Kim Loans applies KYC, credit assessment, and active collections to protect it, but deposits are not bank deposits and are not covered by deposit insurance.

You agree to provide truthful information, to use the platform only for lawful purposes, and to keep your account credentials secure. Attempting to defraud the platform, its borrowers, or its investors will result in immediate termination and referral to the authorities.

Kim Loans is not liable for losses arising from Mobile Money network outages, delays caused by third-party payment providers, or information you supplied inaccurately. For investors, returns are tied to loan-book performance as described in section 7.

For questions about these terms, reach us by phone or WhatsApp on 054 904 4782 or 053 976 7326, or through our Contact page.