Credit built around how Ghana actually earns.
Most lending in this country is designed for people with a payslip and a clean paper trail. TekuCredit works for everyone else as well — the trader, the salon owner, the teacher, the rider — with one total cost, stated in plain language, and collections that treat you like a customer rather than a problem.
The problem we work on
Earning steadily is not the same as being easy to lend to.
A market trader in Makola may turn over money every single day and still be treated as a poor risk, because that income never passes through a system anybody scores. A teacher on a known salary may still find that the only credit within reach is priced for the lender's convenience rather than the borrower's circumstances.
The result is familiar. Costs are quoted per week or per month in a way that makes the total hard to work out until it is already owed. Terms shift between the advertisement and the agreement. And when repayment goes wrong, the pressure can turn personal in ways that have nothing to do with recovering money.
We think all three of those are design choices, not facts of life. So we made different ones.
What we do
Four things we get right.
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Assessment that looks at real income
Our affordability checks read the patterns in how someone genuinely earns — daily takings, seasonal trade, mobile money flow — instead of assuming a monthly payslip is the only proof that counts.
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One number, not a puzzle
Every offer shows the single total amount repayable in cedis, alongside the schedule, before anything is agreed. No headline figure with the real cost assembled from fees underneath it.
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Repayment that bends before it breaks
Incomes here are not flat, so our schedules do not pretend otherwise. Customers can talk to us early and rearrange a plan, rather than finding that silence is the only option available to them.
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A record that belongs to you
Repaying well should leave you better off than when you started. A good history with us is something a customer can carry forward, not information locked inside our systems.
Our principles
The commitments the whole company runs on.
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Transparent pricing
The total cost in cedis, shown before agreement, in the same size type as everything else.
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Affordability first
If the numbers say a repayment does not fit someone's income, the answer is no. Lending someone more than they can carry is not a service.
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Respect for privacy
We ask for what an assessment genuinely needs, we say why, and we do not go looking through the rest of the phone.
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Fair collections
If repayment goes wrong we contact the customer, privately, and work out a plan. That is the whole method.
And plainly, what we do not do
- We do not read or upload your contacts, messages, photos or call logs.
- We do not contact your family, your employer or your friends about money you owe.
- We do not post about a customer's debt anywhere, to anyone.
- We do not add a fee that was not on the screen when you agreed.
- We do not sell your personal data to anybody.
Get in touch
Talk to a person.
Whether you are a customer, a partner, a journalist or someone looking for work, everything reaches the same small team in Accra — and we reply.
Questions
Straight answers.
What is TekuCredit?
We are a Ghanaian financial technology company providing digital credit for salaried workers and small traders. We are registered in Ghana under RGD No. CS145610726.
Are you a bank?
No. We do not take deposits, we do not hold savings, and we do not sell insurance or investments. We do one thing, which is credit.
Who do you work with?
Adults aged 18 or over, resident in Ghana, whose income we can reasonably assess — whether that income arrives as a monthly salary or as daily takings from a stall, a salon or a delivery round.
How does pricing work?
Every offer states one total amount repayable in cedis, together with the repayment schedule, before anything is agreed. We do not publish rates or fees on this website, because we would rather show you the real number for your actual circumstances than a headline figure that changes once the details are known.
Will you contact my family or my employer?
No. If a repayment goes wrong we contact the customer, privately, and work out a plan with them. We do not call relatives, we do not call employers, and we do not discuss anybody's debt with a third party as a means of applying pressure.
Do you need access to my contacts, SMS or photos?
No. We do not read, collect or upload your contacts, your messages, your photos or your call logs, and nothing we run needs us to.
What happens if I fall behind?
You tell us, ideally before the repayment is missed, and we work out what is realistic. Contacting us early is exactly the right thing to do and it does not count against you. What will not happen is a call to your family, a message to your employer, or anything posted anywhere about your account.
How do I reach you?
By email at {{SUPPORT_EMAIL}}, or through the form on our contact page. For anything about your personal data, write to our Data Protection Officer at {{DPO_EMAIL}}. We do not publish a telephone number — a written record protects you as much as it protects us.