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Loans
Atlantic Salary Advance
This product is intended to offer credit facilities to employees of blue chip companies approved by the Bank; with regular salaries who require financial assistance to meet urgent obligations before salary due dates.
Features:
- Obligor limit: Up to 70% of employee's one month's salary net of taxes and all deductions
- Global limit: GHS1,000,000 (One million Ghana Cedis)
- Tenor up to Ninety (90) days
Benefits:
- To support our customers who need support for short-term needs
- To grow Retail Assets on the Consumer Lending space
Atlantic Personal Loan
The product is designed to offer credit facilities to permanent salaried workers to finance personal needs. This product program is targeted at all permanent salaried workers who work for government such as doctors, judges, lecturers, teachers, nurses, etc. and Tier 1 customers in line with the Bank's enlistment criteria.
Features:
- Obligor limit: GHS75,000
- Tenor: Maximum 48 months
- Facility Fee: 2% flat on facility amount payable upfront
- Interest Rate: Base + Minimum of 5%.pa
Benefits:
- To support our customers who need support for short-term needs
- To grow Retail Assets on the Consumer Lending space
Atlantic Hi-Life
This product is an asset finance loan which offers credit facilities to employees of companies approved by the Bank to part-finance the acquisition of personal assets.
Features:
- Maximum of 12 months as tenor
- Obligor limit: GHS 40,000 for household items and GHS 100,000 for vehicles
- Interest Rate: (To be compensated by vendor's discount of not less than 15%)
Benefits:
- Acquire assets on hire purchase
- Eliminating the need for large capital outlays
Payroll Loan
This product is a loan that offers credit facilities to government workers who are on the payroll of the controller and accountant general.
Features:
- Maximum of 48 months
- Repayment: From obligor's monthly remuneration
- Pricing: Interest Rate: Base rate plus maximum of 8.5% p.a.
Benefits:
- Customer would be able to acquire assets without pre-financing the purchase of these assets
- The Bank's pre-financing of the bulk of the asset cost will reduce the pressure on the customer's salary/income
Purple Auto Loan
This product is a medium-term asset finance loan that offers credit facilities to SME customers who have operated their accounts satisfactorily and demonstrate the need for a vehicle to support their operational activities. The Bank will finance 80% of the asset cost of the vehicle whilst the customer makes an equity contribution of not less than 20%. Terms & Conditions apply.
Features:
- At least 20% Equity contribution for new vehicles
- At least 30% Equity contribution for used vehicles
- Interest rate 23% per annum
Benefits:
- Acquire assets on hire purchase
- Eliminating the need for large capital outlays
Requirements
Required Documents for Loan Applications
Resident
- 1 recent Passport Photo
- Ghana Card
- Utility Bill
Non-Resident
- 1 Recent Passport Photo
- Ghana Card
- Utility Bill
- Resident Permit
Our process
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