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Loan Intelligence for Ghana

See the True Cost of Any
Loan Before You Sign

Lenders quote headline rates. Borrowers pay fees, insurance and charges on top. GetSika shows you what any offer really costs, free, in about a minute.

Compare Two Offers See How It Works
Interest Saved GHS 2,140 by switching offers
Loan Comparison GHS 20,000 · 24 months
Offer A · "22% p.a." GHS 0 true repayment incl. GHS 1,840 fees
Offer B · "24% p.a." GHS 0 true repayment incl. GHS 320 fees
Cheaper by GHS 1,279
Calculations Run 61,000+ by 14,000+ borrowers

Trusted by more than 14,000 borrowers · Handles offers from

Core Features

The tools that put you on the strong side of a loan negotiation: true cost, clear plans, and plain answers.

True Cost Comparison

Enter any two offers and see the real annual cost with every fee counted.

Headline rate22.0%
Processing feeGHS 600
InsuranceGHS 1,240
True annual cost31.4%

Payoff Planner

Add your loans and a budget. Get a payoff order and a debt-free date.

March 2028
Fido loanPay first
Salary loanMonth 4
MoMo advanceCleared ✓

Built-in Explainers

Plain-language answers exactly where you make the decision. Why a "lower rate" costs more. What a processing fee does to your APR.

Works With Any Lender

Banks, savings & loans, fintech apps, MoMo advances, susu. If you can read the offer, you can compare it. No lender can influence what you see.

Every Fee Counted

Real-time totals as you type. Processing fees, insurance, arrangement charges — the numbers printed small are the ones that move your total most.

How It Works

From offer letter to clear decision in about a minute. No account, no jargon, no cost.

01

Enter the Offer

Amount, rate, tenor and fees, straight off the offer letter or the agent's WhatsApp message.

02

See the True Cost

GetSika works out the real annual cost and total repayment with every charge counted.

03

Compare Offers

Put a second offer beside it and get a ranked verdict, not a marketing pitch.

04

Decide With Facts

Take the cheaper loan, negotiate the dearer one, or walk away. Your call, fully informed.

05

Plan Your Payoff

Already borrowing? Add your loans and a budget to get a payoff order and a debt-free date.

06

Track to Debt-Free

Test what an extra GHS 200 a month does to your date, and watch the interest savings stack.

Customer Stories & Feedback

What borrowers say after seeing their first true-cost comparison.

"I nearly took the loan with the lower rate. GetSika showed me the fees made it GHS 1,400 dearer. I went back and negotiated."

KKwabenaTrader, Accra

"First time anyone explained what the processing fee actually does to what I pay. It should be taught in school."

EEfuaTeacher, Kumasi

"I use it before every facility now. Takes a minute and it has paid for itself many times over, which is easy because it's free."

YYawContractor, Tema

Compare Your First Loan Now

The next loan you take should have no surprises in it. No hidden charges here either, because there's nothing to pay.

Start Comparing

Simple Pricing, Nothing Hidden

A tool about hidden charges can't have any of its own.

Quick Compare
GHS 0/forever
Start Comparing Features
  • Unlimited loan comparisons
  • True cost on every offer
  • No account needed
  • Works on any phone
Everything
GHS 0/forever
Get Started Features
  • All Quick Compare features
  • Payoff planner with a debt-free date
  • Interest-saved projections
  • Built-in explainers at every step
  • Saved plans across devices
Partners
Custom
Contact Us Features
  • GetSika for your staff or members
  • Employer & pension scheme rollouts
  • Financial literacy workshops
  • Borrowers stay free, always

All Your Queries, Answered

Fair questions about how GetSika works, what it costs, and what happens to your data.

Is it really free?

Yes. No fees, no premium tier, no card required. GetSika earns nothing from any lender, which is exactly why you can trust the comparison.

Do you sell my data?

No. Comparisons run without an account and nothing you type is sold or shared. If you save a payoff plan, it is stored for you and nobody else.

Which lenders does it cover?

Any lender. You enter the terms of the offer in front of you, so it works for banks, savings and loans, fintechs, mobile money advances, and the friend who lends at "small interest".

How accurate are the numbers?

As accurate as the terms you enter. GetSika applies standard amortisation and effective-rate maths to exactly what the lender quoted, including the fees.

Is this financial advice?

No. GetSika shows you accurate numbers so you can decide for yourself. For decisions with big consequences, talk to a licensed adviser too.

Can I use it outside Ghana?

The maths works anywhere, and wider African currency support is on the roadmap. Today it is built and worded for Ghanaian borrowing.