Cash when life
won't wait.
Velox Digital Credit gives you quick, collateral-free loans from GHS 200 to GHS 2,000 — straight to your mobile money or bank. Decision in minutes, repayment on your terms.
Loan approved
GHS 1,500
Sent to MoMo
in 47 seconds
Pay & receive via
Credit made simple, human, and fast.
We're rebuilding access to credit for everyday Ghana — with technology that respects your time and trust.
Decision in minutes
Our smart engine reviews your application instantly — no paperwork, no waiting in lines.
Safe & responsible
Bank-grade encryption, transparent fees, and lending guided by Bank of Ghana standards.
Built for your phone
Apply, track, and repay from anywhere. A seamless mobile-first experience.
Flexible repayment
Repay via mobile money, bank, or USSD. Choose terms that fit your budget.
Three steps. Three minutes. Done.
01
Sign up in seconds
Use your phone number and Ghana Card to create your Velox account.
02
Pick your amount
Choose any amount from GHS 200 to GHS 2,000 and a comfortable repayment plan.
03
Get paid instantly
Funds land in your mobile money or bank account — usually within minutes.
Apply for a quick loan
Get fast, convenient digital loans in just a few simple steps. Apply anytime, anywhere, and receive a decision within minutes.
Apply now RepayPay your loan easily
Repay quickly and securely through convenient digital payment options. Stay on track with flexible, hassle-free repayments.
Pay nowTrusted by Ghanaians, every day.
"I needed GHS 800 for stock. I had it on my MoMo in under five minutes. Velox saved my week."
Akosua M.
Trader, Makola
"No long forms, no embarrassment. The app is so smooth — and the repayment options are fair."
Kwame O.
Driver, Accra
"Used Velox for an emergency hospital bill. Honestly the simplest financial app I've used."
Ama D.
Student, KNUST
Ready when you are.
Join thousands of Ghanaians using Velox to access credit on their terms. It takes less than three minutes.