Fido

Fido is a digital microlending and financial services platform for individuals and MSMEs in African markets, offering instant personal and business credit alongside savings and bill payment tools.

Key capabilities include:

• Personal Credit and Business Loans: Short-term, unsecured credit accessed through a mobile-first flow, designed for quick decisions with minimal paperwork.
• Digital onboarding and identity verification: Selfie-based verification with accepted national IDs (for example, Ghana Card) and address checks to complete signup and request credit in-app.
• Fido Score (Build Credit): An internal scoring system that uses customer inputs and alternative data to assess risk and unlock better loan options and higher limits over time.
• Pay and Save: In-app tools to handle bills and save money, positioned as everyday money management features alongside credit.

Available via Android and iOS apps, with a supporting web presence for product information and help resources.

Target users include salary earners, informal workers, and small business owners who need fast working capital, short-term personal credit, and simple payment and savings features.

Notable in the African fintech context for its app-first lending model across Ghana and Uganda, use of alternative-data underwriting through the Fido Score, and stated regulatory oversight in operating markets (for example, Bank of Ghana for Fido Micro Credit Ltd).

As of Jul 13, 2026, Fido is rated 3.8 on the App Store from 18.7K reviews and 4.3 on Google Play from 102.5K reviews with 5M+ installs.