• High Loan Amount

    Personal Clients can borrow up to GHS 180,000; while Priority Clients can access up to GHS 250,000

  • Long Tenures

    Enjoy flexible monthly repayments for up to 60 months.

  • Protect Your Family

    Credit Life Insurance covers you in case of death, leaving your relatives obligation free.


At Standard Chartered, we understand that there are many things you want for your family, whether it be the best education for your children, improvements on your home, great investment opportunities, post-graduate studies, or even just a much-needed overseas holiday for the whole family. Our unsecured loans help you meet your personal financing requirements.

We offer 2 types of personal loans:

1. Smart Scheme
We want to make your dreams come true and ensure that we leave no stone unturned in making this happen. With our Smart Scheme personal unsecured loan we make that dream of a brand new car, post-graduate degree or paying for your child's school fees a reality.

Come and enjoy the freedom to see your dreams materialise with our Smart Scheme personal loan.

You can apply for this loan if Standard Chartered has signed a scheme agreement with your organisation. Monthly loan repayment deduction will be made from your employer directly. You may contact us on 0302 633 552-4 to confirm if your organisation is on the list.

2. Smart Credit
We are in the business of helping you improve the quality of your life. You no longer have to wait what sometimes feels like a lifetime to live the life you want. Our Smart Credit personal loan is just what you need to put your personal aspirations in your hand.

If your salary is paid through a Standard Chartered Bank account you could be eligible to take this loan. Monthly repayment deductions will be made from your salary account with us. Scheme agreement with your organisation not required.


  • Net minimum salary of GHS700
  • Salaried worker
Documents Required
  • Completed application form
  • IID – Important Information Document
  • Passport / Driver's Licence / National Identification Card / Voters ID
  • Most recent salary slip
  • Bank statements for the last 3 months
  • Letter of Undertaking required of only CAGD customers* (Only for Smart Scheme Loan)

CAGD – Controller & Accountant General's Department


How much can I borrow?

Personal Clients can borrow up to GHS 180,000; while Priority Clients can access up to GHS 250,000

Who is eligible for a loan?

Anyone who works for a company with which Standard Chartered Bank has signed a Scheme Agreement to Salaried employees within our list of over 500 organisations.

How much do I need to earn to qualify for a loan?

You need to earn a minimum net salary of GHS700 in order to qualify for a loan.

What documentation is required to take out a personal loan?

We require the following documentation in order to take out a personal loan:

  • Completed application form
  • IID – Important Information Document
  • Passport / Drivers Licence / National Identification Card / Voters ID
  • Most recent salary slip
  • Bank statements for the last 3 months
I have a loan from another bank. Can I transfer it to Standard Chartered?

Yes. In order to do this, you will go through the normal application process. In addition, we require a loan statement from the bank that holds your existing loan. Standard Chartered Bank will pay the outstanding amount directly to from the proceeds of your loan.

Useful Information

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0302 740100

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At Standard Chartered Bank, we recognise that you may have an imminent need for cash but this should not mean a break in your existing investments. The secured overdraft facility is available in Cedis and other major currencies.

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