powered by Link Exchange Microcredit

Get small loans, anywhere, anytime.

Apply from your mobile device

Get a decision in minutes *

Loans of up to GH₵ 500

* Get Notified when we launch

How It Work

Get your loan right now!


Download the app

  • Tap here using your Android phone or search for Paylater in the Google Play™ store
  • Click ‘Install’
  • Read and understand what the app needs access to. If you agree, select 'Accept' and 'Continue'

Introduce Yourself

We’d like to get to know you better. Fill out our brief application form with your information and we’ll review immediately.

To register and apply for a loan, all you need to do is:

  • Sign up on our platform
  • Enter the requested details
  • Complete the loan application form and apply

Your details are safe with us - all information you provide is encrypted for your security and confidentiality.


Money in Your Account

Once approved, funds are typically received within 5 minutes.

If your application is unsuccessful, we will inform you of the reason(s) as you may still be eligible for a loan.


Repay Your Loan

To make a payment on or before your due date, please click  ​HERE​ for instructions.

Making on-time repayments can grant you access to higher credit limits for your next loan. If you have any questions regarding our Mobile App, have a look at our Frequently Asked Questions (FAQs).

Frequently Asked Questions (FAQs)

Have questions about our service? Click below to see responses to the most common issues.

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Failure to pay off any loans taken trigger a notice to the consumer credit reporting agency which would negatively impact an individual’s credit score. Late payments can also affect ability to borrow in the future, so please ensure timely repayments of obligations.


A Paylater loan attracts interest rates starting from as low as 5% monthly on the first loan. It is intended to meet urgent, short-term cash needs. Because of this, we have limited the available amount to GH₵5 (for first-time applicants) and loan duration to 15 or 30 days so you are not paying excessive interest rates.

Please do not take a Paylater loan if you intend to service long-term debts.


You can re-apply for another loan immediately after your loan amount is fully paid off and may qualify for higher credit at a lower rate. There are no fees required to process a loan renewal.


Keep in mind that depending on the duration of the Paylater loan, the annual percentage rate (APR) on a Paylater loan can vary from 134% to 213%.

Short-term loans are extremely helpful in emergency cases, but rather expensive if compared with other types of loans and should be used with care and not for a long term need. You can find more information in our Frequently Asked Questions (FAQs) section.


If you find yourself in a situation that makes it difficult to make your scheduled repayment, please contact us immediately by writing to

We do our best to help our customers avoid these situations and the resulting consequences which can include:

  • Suspension of your access to our lending service
  • Reporting your account delinquency to multiple credit bureaus
  • Involvement with external collection agencies
  • Possible legal action

Remember, a positive outcome for you is a positive outcome for us, so let us assist you with working through and finding a solution to any issues you may face during the loan period.