The Scheme Loan is available to government institutions and private companies, and allows you to sign an agreement with Barclays to offer your staff company loans. It’s convenient, easy to arrange and completely hassle-free as banking is brought to an employee’s doorstep.

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How it works

What you get
  • Employees can borrow up to GHS280,000*
  • Flexible repayment periods of 6-60 months
  • Free credit protection
  • Repayments are deducted from employees’ salaries
  • Competitive interest rates and fees
  • Easy approval
  • Quick access to money
  • Funds are available for virtually any purpose
  • No collateral or security needed to apply for a loan
  • Hassle-free application processes and quick approval times
  • No sudden increases due to fixed interest rates
  • Flexible repayment options based on other financial obligations
  • Credit life insurance cover against death and permanent disability is available
  • Affordable credit life insurance against death, permanent disability and retrenchment cover for 6 months.

*Terms and conditions apply

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What you need to know
  • Employees qualify if they’ve been with their employer for at least six months and get paid a salary through Barclays or another bank
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 What to bring when you apply

Barclays accountholders

  • National photo ID card (or passport for non-Ghanaians)
  • Completed loan application form
  • Latest payslip

Non-Barclays accountholders

  • National ID card (or passport for non-Ghanaians)
  • A completed loan application form
  • Most recent bank statements for the last six months (certified)

Need more help?


Tel: +233 (30) 2429150
Toll free: 0800 222333


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