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Salaried workers on the government payroll, employees of companies on GCB’s risk-profiled list, and employees of large or reputable companies with low staff turnover. Required documents include a completed loan application form, Ghana Card and the most recent three months’ payslips, subject to exceptions.

GCB states that default attracts a penalty but does not publish the amount. Other processing, insurance and administrative charges are not stated. Confirm all charges with GCB before applying.

The official product page does not state a separate collateral requirement. The loan includes insurance cover for temporary or permanent disability, death or retrenchment.

Salaried workers on the Controller and Accountant General Department (CAGD) payroll. GCB lists an Employee Mandate number and PIN, a completed loan application form, one recent passport-size photograph and a Ghana Card as requirements.

Not published on the official product page. Confirm all processing, insurance and administrative charges with GCB before applying.

Repayment is deducted at source through the CAGD payroll. The official product page does not state a separate collateral requirement.

Customers who hold investments or qualifying account balances with GCB Bank. Applicants must provide a completed loan application form, Ghana Card and evidence of an acceptable investment or cash balance.

GCB states that there are no early-settlement charges. Other processing and administrative charges are not published and should be confirmed directly with GCB.

Secured by investments or account balances held with GCB Bank. The maximum facility is 80% of Treasury Bill investments and 90% of fixed-deposit investments or qualifying account balances.

GCB salaried customers aged 18 to 59 whose salaries are paid into a GCB Salary or Current account. New customers must have received salaries into their accounts for at least three consecutive months. Eligible Savings account customers must migrate to a Salary account through the GCB Mobile App.

Fees and penalties are not published on the official product page. Confirm all charges and the total repayment amount directly with GCB before applying.

The official product page does not state a separate collateral requirement.

Salaried workers with stable employment income who contribute to a registered Tier 3 scheme, or self-employed individuals with vested Tier 3 contributions. Applicants must generally be aged 21–59 and must have been employed for at least 12 months.

Not published on the official product page. Confirm all processing, insurance, and administrative fees with GCB before applying.

Secured by the applicant’s Tier 3 pension contributions or benefits. Borrowing is capped at up to 80% of accrued Tier 3 benefits.