---
title: "Fido: Loan App in Africa"
description: "Get instant personal and business credit, save money and pay bills in Ghana, Uganda & South Africa. Selfie signup with Ghana Card and Fido Score."
canonical_url: "https://liners.com/fido"
markdown_url: "https://liners.com/fido.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/fidocredit/screenshot.webp?v=1779739022227"
published_at: "2026-05-26T14:21:25.454Z"
updated_at: "2026-08-30T16:18:13.747Z"
---

# Fido: Loan App in Africa

Get instant personal and business credit, save money and pay bills in Ghana, Uganda & South Africa. Selfie signup with Ghana Card and Fido Score.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Fido](/fido)

## Summary

Instant credit, savings, and bill payments from a mobile app

A digital microlending app for individuals and MSMEs in Africa to access instant personal and business credit, save money, and handle bill payments 24/7.

## Product details

| Field | Value |
| --- | --- |
| Website | https://fidocredit.com/ |
| Tagline | Instant credit, savings, and bill payments from a mobile app |
| Primary country | Ghana |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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, Uganda, and South Africa**, 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).

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Credit Scoring](/tags/credit-scoring): Product feature or technology
- [Lending and Loans](/tags/lending): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Ghana](/countries/ghana): Market
- [South Africa](/countries/south-africa): Market
- [Uganda](/countries/uganda): Market

## Related pages

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

## Access and citation

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