Cash Wave


Cash Wave is a user-friendly FinTech app in Ghana, offering quick and secure financial solutions. It provides hassle-free loans without the need for collateral, ensuring accessibility for customers. The application process is straightforward, granting loans promptly.
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Are you in need of a quick and convenient loan in Ghana? Cash Wave is the reliable financial solution for you, a 100% online loan application on your phone. Cash Wave helps you address your financial needs in a simple and convenient way, just a few minutes after a successful registration.

Furthermore, the application offers an easy loan process and fast disbursement, providing you with an excellent borrowing experience, ensuring the safety and security of your financial information. Experience the Cash Wave App today to enjoy the best financial benefits.

Contact information for Cash Wave

If you are interested or have any questions regarding Cash Wave’s loan products and services, you can directly contact them via email or the phone number provided to receive assistance and advice.

Summary of the key highlights of Cash Wave App

No Collateral Required

The app allows borrowing money without the need for any collateral, reducing the risk of losing assets in case of repayment difficulties. Customers only need to provide basic information and identity confirmation images to successfully apply for loans online.

Simple and 100% Online Process

The loan application process with Cash Wave is straightforward and quick. Customers can fill in their registration details on the app and complete the loan application within minutes.

Free Profile Creation and Support

Creating a profile, applying for loans, and receiving support and assistance from Cash Wave are all completely free. There are no hidden fees or charges, ensuring the best conditions for customers to successfully borrow money.

High Approval Rate

With a fast profile approval process and flexible lending policies, Cash Wave boasts a high approval rate, potentially reaching up to 95%. Customers can rely on the app to have a good chance of getting approved for their loans.

Fast Disbursement

Once the loan application is approved, the requested amount will be disbursed instantly. Customers can receive the money in their bank account or e-wallet within 2 minutes after a successful loan application.

0% Interest Rate for First-time Borrowers

Cash Wave App offers a 0% interest rate promotion for first-time borrowers within 14 to 30 days, enabling customers to save on loan repayments.

Personal Information Security

Cash Wave guarantees the absolute security of customers’ personal information. All registration and transaction data are encrypted and securely stored in the app’s system. Cash Wave also refrains from buying, selling, or using customers’ information under any circumstances.

The Process of Applying for an Online Loan with Cash Wave

Product Introduction

  • Loan Amount: GHS 500 ~ GHS 10,000
  • Loan Term: 91 days to 365 days
  • Maximum Annual Interest Rate: 15% (15% / 365 = 0.05% per day)
  • Other Charges: 0

Loan Example:

You borrow GHS 10,000 with a 15% annual interest rate, a loan term of 120 days, and no service fees.

  • Monthly installment: GHS 2,650.
  • Total interest: GHS 600.
  • Total amount to repay: GHS 10,600.

Eligibility Criteria for Borrowing

  • You must be a Ghanaian citizen, aged between 22 and 55 years old.
  • You must have a stable and sufficient income.
  • Provide all necessary identity verification documents.
  • Use a valid bank account and phone number.

Guide to Loan Application on the App

Step 1: Download and install the Cash Wave App on your phone. The app is compatible with Android and iOS operating systems. You can download it from

Step 2: Open the Cash Wave app and select “Register” to begin the registration process.

Step 3: Fill in your personal information on the Cash Wave app registration form, including:

  • Full name, phone number, email address, date of birth.
  • National ID card number, and current residential address.

Step 4: After providing your personal information, you will need to verify it by taking pictures of the front and back of your national ID card, a portrait photo, and verifying your phone number by entering the OTP verification code sent to your phone.

Step 5: After completing the verification, you will be taken to the loan registration screen. Here, you just need to choose the loan amount and term, then enter your bank account information to receive the loan.

Step 6: Once the registration is complete, your loan application will be processed and approved within a short time. If approved, the loan amount will be disbursed to the bank account you provided.

Note: Ensure that your personal and bank account information is accurate and valid to facilitate the smooth processing and disbursement of your loan.

Frequently Asked Questions at Cash Wave

What is Cash Wave?

Cash Wave is an app that connects customers with loan needs to the quickest and simplest financial solutions. It is a FinTech company that provides financial services to improve the quality of life.

How much can I borrow at Cash Wave?

The maximum loan amount at Cash Wave can be up to GHS 10,000. However, if you are a first-time customer registering for a loan at Cash Wave, you can borrow only up to GHS 5,000.

What documents do I need to prepare to apply for a loan at Cash Wave?

You need to prepare some government-issued personal documents that are still valid and in use. Additionally, you may need some proof of income and your address.

What is the loan application process at Cash Wave?

The loan application process on the app is very simple and fast. You just need to download the Cash Wave app on your phone and follow the instructions to register.

How long does it take to disburse the loan at Cash Wave?

The loan disbursement time at Cash Wave is very fast, typically within 2 minutes after your application is approved.

How do I repay the interest when borrowing money at Cash Wave?

The interest on your loan at Cash Wave will be calculated and added to your loan amount. You need to repay the full loan amount along with the agreed-upon interest as per your loan agreement.

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