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A personal loan to meet your needs. Get it online – quickly and easily.

Apply for payroll loans of up to GHS100,000 and get up to 72 months to pay.

Not a government employee? Click here to find the perfect secured personal loan option for you.

Izwe’s tailored online loans for civil servants are approved in minutes, with cash paid out in less than 24 hours. Because loans aren’t just about money. They’re about making dreams come true, for you or your loved ones.


“My son decided he wanted to study at university, and Izwe helped me to quickly organise a loan. It was easy to apply through an agent who did it all on his mobile device. Now I know that my son’s future is secured. Thanks to Izwe, he will have everything he needs to be successful in his studies.”
– Adjo (42)

Payroll Loans on your own terms

Flexible repayment terms to suit your lifestyle.

Payments are deducted from your salary every months.

Lower rates for government employees.

Who qualifies for a payroll loan?

If you work for the Ghana Government, Ghana Police Services, Ghana Army, Ghana Revenue Authority, UDS or KNUST, you qualify as a civil servant.

We offer payroll loans to full-time employees of:

Make the smart move. Choose Izwe.

Not a government employee? No problem. Here’s how you get a quick loan from Izwe.

Click here to see how we can assist you with a loan against your assets.

Apply for easy loans online