11月1日 的 Cedi Trust 應用程式分析

Cedi Trust is a transparent and easy-to-use revolving credit line app designed for eligible users in Ghana. Complete one application to receive an approved credit limit that can remain valid for up to 24 months. During the validity period, you can withdraw funds whenever needed without submitting a new application. Interest applies only to the amount withdrawn and its actual usage period. The unused portion of your credit limit remains interest-free. Credit Line Overview Available Credit Limit: 1,000 GHS – 100,000 GHS Repayment Duration: 91 to 720 days (approximately 3 months to 24 months) Maximum Annual Interest Rate: 21.9% Credit Validity Period: up to 24 months Processing Fees: None — no upfront or hidden charges Reusable Credit After you make a repayment, the repaid amount becomes available again within your approved credit line. You can continue withdrawing funds during the validity period without applying again. How Cedi Trust Works Complete a one-time credit line application Receive an approved credit limit Withdraw only the amount you need Repay within the selected repayment period Restore your available balance after repayment Reuse the credit line during its validity period Interest and Repayment Example Amount Withdrawn: 2,000 GHS Repayment Duration: 180 days Annual Interest Rate: 21.9% Interest Calculation: 2,000 GHS × 21.9% × (180 ÷ 365) = 216 GHS Total Repayment: 2,000 GHS + 216 GHS = 2,216 GHS The same calculation method applies to each withdrawal. Early repayment is allowed with no additional fees. You can also monitor your credit limit, withdrawals, and repayments directly from your phone. Who Can Apply? Eligible applicants must: Be 20 years of age or older Be a resident of Ghana Have a valid and active local mobile wallet Have a stable and verifiable source of income Employees, self-employed individuals, and small business owners with consistent income are welcome to apply. Why Choose Cedi Trust? Reusable credit for greater flexibility Interest charged only on the amount withdrawn Credit line validity of up to 24 months No processing fees or hidden charges Simple mobile application and account management Multiple credit limits and repayment options Getting Started Download and install Cedi Trust Sign up with your mobile number Provide your personal and income information Complete the assessment Activate and use your approved credit line Need Support? Email: service@okwamofinance.com