Monthly instalments supported by standing orders and post-dated cheques.
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Short-term personal finance for eligible salaried employees, supported by employer verification and structured monthly repayment.
The facility is built around verifiable monthly income, a responsible affordability check and a repayment method agreed upfront.
Built for urgent personal, educational, medical and household needs.
Employer confirmation and income verification support responsible lending.
Repayment uses standing orders, post-dated cheques or CAGD deductions where applicable.
Total debt-service deductions are capped at 40% of net salary.
Applications are assessed using verified employment, salary history, existing deductions and agreed collection arrangements.
Be permanent staff of an eligible bank, corporate, government agency or Tier 1/2 financial institution.
Provide a verified employment letter and two to six months of payslips.
Keep total debt-service deductions within 40% of net salary.
Complete employer confirmation and a standing-order arrangement.
Provide post-dated cheques and, where requested, a guarantor of the same employer grade or above.
The business plan distinguishes the standard product from a longer government payroll structure.
Monthly instalments supported by standing orders and post-dated cheques.
For eligible government salaried workers using deduction at source.
For more information, call or WhatsApp +233 20 876 20039, or email ezu@fodmicrocredit.com.
For more information, call or WhatsApp +233 20 876 20039, or email ezu@fodmicrocredit.com.
Verified employment letter
Two to six months of payslips
Bank standing-order arrangement
Post-dated cheques covering the repayment schedule
Final KYC documents: contact the office for the current requirements.
Guarantor details, when required
Check the published requirements and understand the review process before beginning an inquiry.