By accessing and using the TruCredit Micro-Credit Enterprise website and services, you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, please do not use our website or services. These terms constitute a legally binding agreement between you ("the Customer" or "the User") and TruCredit Micro-Credit Enterprise ("TruCredit", "we", "us", or "our").
TruCredit Micro-Credit Enterprise is a wholly Ghanaian owned business loan company providing micro credit services to Micro, Small and Medium Enterprises (MSMEs) in Ghana. We are licensed by the Bank of Ghana under the Banks and Specialised Deposit-Taking Institutions Act, 2016 (Act 930) and the Micro-Credit Lending Guidelines. Our office is at 45 Nmai Dzorn, Adjiringanor Road, Accra. TruCredit was founded by Isaac Esuantse and is a member of the Micro-Credit Association Ghana (MCAG).
TruCredit offers the following loan products, each subject to specific terms communicated at the time of application:
All loan products are subject to credit assessment, eligibility criteria, and applicable interest rates and fees as disclosed in the loan agreement.
By submitting a loan application, you represent and warrant that all information provided is true, accurate, and complete. Loan approval is at the sole discretion of TruCredit and is based on our credit assessment criteria, which may include credit history checks, business verification, and ability to repay. Submission of an application does not guarantee approval.
Interest rates and fees applicable to each loan product will be clearly communicated in the loan agreement provided at the time of approval. We are committed to transparency and do not charge hidden fees. All charges are disclosed before you accept the loan offer.
You agree to repay the loan amount plus applicable interest and fees according to the repayment schedule set out in your loan agreement. Repayment methods include mobile money (MTN MoMo, Vodafone Cash, AirtelTigo Money), bank transfer, or cash payment at our office.
Late or missed payments may result in late payment fees, reporting of default to credit reference bureaus, and legal action to recover the outstanding amount. If you experience financial difficulty, please contact us immediately to discuss alternative repayment arrangements.
Your use of our services is governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using our services, you consent to our data practices as described in the Privacy Policy.
All content on our website, including text, graphics, logos, images, software, and design elements, is the property of TruCredit Micro-Credit Enterprise or its licensors and is protected by Ghanaian and international intellectual property laws.
TruCredit shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our website or services. Our total liability for any claim shall not exceed the total amount of fees paid by you to us in the 12 months preceding the claim.
These terms are governed by the laws of the Republic of Ghana. Any disputes arising from these terms shall first be resolved through amicable negotiation. If negotiation fails, disputes shall be resolved through mediation at the Micro-Credit Association Ghana (MCAG) or, if necessary, through the courts of Ghana.
If you have any questions about these Terms and Conditions, please contact us: