---
title: "Cred Cedi: Short-Term and Medium-Term Loans"
description: "Borrow GHS 500–5,000 in Ghana with 180–450 day terms. APR capped at 24% plus 2% service fee. Fast approval; paid to bank or wallet."
canonical_url: "https://liners.com/cred-cedi"
markdown_url: "https://liners.com/cred-cedi.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/flyshillinng/screenshot.webp?v=1786113240285"
published_at: "2026-08-08T02:54:26.445Z"
updated_at: "2026-09-21T05:13:40.517Z"
---

# Cred Cedi: Short-Term and Medium-Term Loans

Borrow GHS 500–5,000 in Ghana with 180–450 day terms. APR capped at 24% plus 2% service fee. Fast approval; paid to bank or wallet.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Cred Cedi](/cred-cedi)

## Summary

Apply for short-term loans with clear fees and terms

A mobile loan service for individual borrowers offering fast approval, disbursement to bank account or digital wallet, and transparent APR and service fees.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.flyshillinng.com/ |
| Tagline | Apply for short-term loans with clear fees and terms |
| Primary country | Ghana |
| Platforms | Web, Android |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

Cred Cedi is a consumer mobile loan service for individual borrowers who need short- to medium-term credit for everyday needs and urgent expenses.

Key features include:
- **Loan amounts** from **GHS 500 to GHS 5,000** (eligibility criteria on the site references Ghana residents aged 25 to 60 with a stable source of income)
- **Loan terms** from **180 to 450 days**, with **flexible repayment options**
- **Transparent pricing**, with an **APR not exceeding 24%** and a **2% service fee** based on the loan amount
- **Fast approval and disbursement**, with funds sent to a **bank account or digital wallet** after approval
- **Security controls**, including **encryption** of personal and financial data

Available on **Web** and **Android**.

Designed for **B2C borrowers** in its stated markets.

Notable in the African lending context because its public materials provide specific examples of total repayment (including service fee and interest), and because the Android listing connects the service to **STEWAT MICROFINANCE (T) COMPANY LIMITED**, highlighting a branding and market split across **Ghana and Tanzania**.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Ghana](/countries/ghana): Market

## Related pages

- [Alternatives](/cred-cedi/alternatives)
- [Reviews](/cred-cedi/reviews)
- [Transparency](/cred-cedi/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/cred-cedi)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)