mjara loans - Cash when you need it!

    With mjara you can borrow money safely and easily through your phone and get cash when you need it! There's no paperwork or
    bank queuing involved.

We know things don't always go as
planned. mjara is here to help.

The more you use mjara, the more you can borrow!

Being part of mjara helps you:

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Transparent Fees

Registration Fee

To join mjara, you pay a Registration Fee of 30 GHS collected in monthly installments of 10 GHS for three consecutive months. If you don't need a loan within one year, you can request a refund on 100% of the Registration Fees you paid!

Loan Fees

Loan Fees will vary based on your time with mjara, loan amount and repayment schedule. Fees for your loan will be calculated and displayed on your phone's screen. You will have to confirm the amount before the loan is dispersed.

Loan fees are as low as 4% of the amount borrowed.

Loan Repayment

Due dates

When you take a loan, your full installment is due the same day of the following week or month that your loan was taken. For example, if you took out a 2-week loan on Saturday, March 1, 2014, your loan repayment would be due on Saturday, March 15.

For a 1-month loan taken out on March 12, 2014, the loan would be due in full by April 12, 2014.

For a 3-month loan taken out on March 12, 2014, you would need to repay the loan in full by June 12, 2014.

You can check on your loan status any time using the mjara Loan menu by dialing *565*5#.


When you take a loan, you will select the loan schedule that works best for you, either weekly or monthly. Your installment and due date for each installment will be clearly stated in the mjara menu.

The loan is 90 GHS, in 3 payments of 30 GHS, with a Loan Fee of 30 GHS.

The repayment schedule is: one third (35 GHS) after 1 month, another third (35 GHS) after 2 months, and the last third (35 GHS) after 3 months. This means your mobile money wallet must have the installment amount the day it's due.

3-month loan of 90 GHS with monthly repayment

Month 1

Month 2

Month 3




35 GHS

35 GHS

35 GHS

*total amount payable of 105 GHS includes 30 GHS loan fee

Early Repayment

You can repay your loan partially or in full before it is due so you can quickly qualify for another loan. To repay your loan in advance of the due date, just dial *565*5*3*1#. You will then get a confirmation SMS of the repayment. Then, just refresh the total repayment amount due by dialing *565*5*3*2#.

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mjara loans are intended to give honest, hard-working people a little help in times of need. We require our clients to repay their loans according to the term and loan repayment schedule they have selected.

mjara loans are repaid through an automatic deduction from your MTN Mobile Money account on the due date. If the funds are not available in your Mobile Money account by the due date, you will be charged a penalty. If your payment is over 4 days past due, it is considered in default and you will incur additional penalties.

We trust our customers and have confidence that when you do take a loan, you will pay it back on time. However, if you don't repay your loan when it is due, you will be charged a penalty of 10 GHS on each failed weekly repayment and 10 GHS on each failed monthly repayment. Payments that are over 4 days past due will be considered in default and you will incur additional penalties.

If your loan is in default, you cannot access additional loans through mjara until your loan is repaid. You may also be subject to additional penalties under the law including fines, reporting to Credit Bureaus, blacklisting, and public posting of the defaulting customer's name on our website mjara.com. This information is also reported to all banks in Ghana.

What is Mobile Money?

What is Mobile Money?

MTN Mobile Money allows you to enjoy the ease and convenience of paying for services such as: MiLife insurance, DStv, ECG bills, airtime, or signing up for mjara loans. Ensure that you have sufficient funds in your Mobile Money wallet to contribute to your mjara loans account.

How do I register for Mobile Money?

How do I register for Mobile Money?

It's easy and free! Simply register through any MTN Mobile Money Authorized Merchant, MTN Service Center, or at Partner Bank Branches. You can also register with a Mobile Money Field Agent or mjara Loans Representative.

What people are saying about mjara loans

"I have been a customer of mjara
for some time now and I have nothing
but good things to say about the company.
They are true to their word and are helpful anytime
I apply for a loan. Call on them for
all your short-term financial needs."
- Doku, 37,
Driver, Madina.

"I have taken out two loans with no hassles.
All I have to do is dial a short code.
Registration was simple and cheap.
I recommend mjara!!"
- Favour, 35,
Seamstress, Circle.

"mjara is very intriguing and
simple to use. Doing transactions
via mobile money makes me feel very secure. I am very eager to work
with them."
- Patience, 40,
Petty Trader, Makola.

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See Frequently Asked Questions
or Speak with one of our agents

Call 0540800222

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