Loan amount
Up to GH₵10,000Your approved amount may be lower, based on an affordability and credit assessment.
Digital credit, made human.
A little help.
Right when you need it.
Simple, respectful loans for Ghanaians. Clear costs, quick decisions, and no paperwork mountains.
See if Toomi fits your needs ↗Applications open after licensing
Our promise to you
You’ll see the full cost before you accept. Always.
You’ll see the full cost before you accept. Always.
100%
transparent
transparent
Regulatory status
Bank of Ghana DCSP licence application in progress
Bank of Ghana DCSP licence application in progress
Toomi will not offer or disburse digital credit until the required licence is issued.
What to expect
Everything important,
upfront.
No hidden maths. No surprise charges. Before you accept any future Toomi loan, you’ll receive a digital pre-agreement showing the amount, dates, interest, fees and total repayment.
Loan duration
Under 12 monthsYour exact due date and repayment schedule will be shown before you accept.
Interest & fees
Clear. Not compounded.All applicable charges and the total cost of credit will appear in your pre-agreement.
Your decision
No pressureReview the full terms first. You choose whether to accept the offer.
Final product rates, fees and repayment periods will be published before launch and are subject to Bank of Ghana approval and Toomi’s credit policy.
How it works
Three simple steps.
That’s really it.
Tell us about yourself
Share the details we need and verify your identity with your Ghana Card. The process will be fully digital.
Get a clear decision
We assess your application responsibly. If you qualify, you’ll see your personal offer and complete pre-agreement.
Accept and receive funds
Review every cost, accept only if it works for you, then receive funds through an approved disbursement channel.
Use Toomi your way
Two ways in.
Both simple.
Whether you have fast Wi-Fi in Accra or a weak signal at your shop, Toomi is being built to work around your day.
01For your first setup
The mobile app
Download our lightweight app to get set up. You’ll scan your Ghana Card and complete a quick identity check. It takes about five minutes, uses little data and protects your information with encryption.
02For quick, offline access
The planned shortcode
Once you’re registered, you won’t need internet data for everyday tasks. Dial our planned shortcode from an MTN, Telecel or AT phone to request funds, check your due date or repay through MoMo.
✓
No data needed after setup
The shortcode will be published before launch.
The shortcode will be published before launch.
Our standard
Respect is not an extra.
It’s the whole point.
Borrowing can feel vulnerable. Toomi is being built around fair treatment, careful data use and plain-language choices.
Your contacts stay out of it
No unauthorised or unsolicited calls or messages to people in your contact list.
No public shaming
No threats, abusive language, harassment or unauthorised posts about your debt.
Your data is protected
Security safeguards, customer consent and responsible data handling will be built into every step.
We listen and resolve
Our complaints process will acknowledge concerns and aim to resolve them within 20 days.
Public information
Know who you’re
borrowing from.
Licence status
Application in progress
Licence reference number will be published here after Bank of Ghana approval.Leadership
To be published after approval
Approved directors and key management personnel will be listed here before operations begin.Principal office
Accra, Ghana
The full public-facing office address and GhanaPost GPS details will be added before launch.Good questions
Questions you might have.
Answered straight.
No tiny text. No confusing money talk. Here’s what you need to know about how Toomi plans to lend.
Who can apply for a loan?+
You must be a citizen or resident of Ghana, at least 18 years old, and have a valid Ghana Card. You’ll also need an active MTN MoMo, Telecel Cash or AT Money wallet—or a local Ghanaian bank account.
Do I always need internet data?+
No. You’ll need data for your first app setup and Ghana Card check. After that, you’ll be able to use our planned shortcode to request funds, check your due date and manage your loan without data. We’ll publish the shortcode before launch.
Why do I need the app for the first setup?+
To help stop identity theft. The app securely scans your Ghana Card and takes a quick selfie of you holding it. That helps us confirm it’s really you—and that nobody is applying in your name.
How much can I borrow?+
First-time borrowers will usually start between GH₵100 and GH₵1,000. Repay on time and your limit may grow. The maximum possible limit is GH₵10,000 under current Bank of Ghana DCSP rules.
How much does a loan cost?+
Your rate will depend on the loan period and our assessment. Before you accept, you’ll see the exact amount you’ll receive and the exact total you’ll repay. No hidden fees. No surprise charges.
Do you access my contacts or pictures?+
No. We won’t read your private photos, message your contacts or shame you. Toomi is being built to protect your information and meet Ghana’s data-protection rules.
What happens if I pay late?+
Talk to us early. Any late fee will be shown clearly and will not compound. Where possible, we’ll work with you on a practical repayment plan. Credit information may be shared with a licensed credit bureau only as the law allows and with your consent.
Coming soon
Ready when
the time is right.
Toomi is preparing for licensing and launch. Check back soon for our official application channel.
Ask for launch updates ↗No loan applications or sensitive financial information are collected on this website.