Skip to main content
030 266 1701-10Mon-Fri: 8:00AM - 5:00PM
  • Find a Branch
  • Contact Us
  • Whistleblowing
National Investment Bank PLCNational Investment Bank PLCYour Business Is Our Business
About Us
  • About NIB
  • MD's Message
  • Board of Directors
  • Executive Management
AGM Notice
Personal Banking

Accounts

  • Current Account
  • Savings Account

Borrow & invest

  • Personal Loans
  • Investment

Premium & protection

  • Private Excel Banking
  • Bancassurance
Business Banking

Business solutions

  • SME Banking
  • Corporate Banking
  • Treasury Services
  • International Trade
Digital Banking

Ways to bank

  • Internet Banking
  • NIB Mobile App
  • Fastlink USSD *710#
  • SMS Alerts

Cards & ATMs

  • NIB Debit MasterCards
  • ATM Service
  • E-Zwich Service
  • GH-Link
  • News
  • Press Releases
  • Gallery & Videos
Support

Get help

  • Submit Complaints
  • FAQ
  • Forms & Downloads
  • Dormant Accounts

Rates, results & regulator

  • Current Rates
  • Quarterly Results
  • BoG Notices

Safety & trust

  • Security
  • Whistleblowing
Internet Banking
Loading…
National Investment Bank PLC

Ghana's trusted banking partner since 1952. We provide innovative financial solutions to help you achieve your dreams and secure your future.

Banking

  • All Products
  • Personal Banking
  • Business Banking
  • Digital Banking
  • NIB Mobile App
  • Open Account
  • Branch Locator

About NIB

  • About NIB
  • Board of Directors
  • Executive Management
  • AGM Notice
  • Quarterly Results
  • News
  • Press Releases

Help & Support

  • Current Rates
  • Forms & Downloads
  • FAQ
  • Security
  • Complaints
  • Dormant Accounts
  • All Support
  • Whistleblowing
  • Contact Us

Head officeCedi House, Liberia Road, Accra, Ghana

Call us030 266 1701-10
Toll-free: 080 000 7777

Email[email protected]

Opening hoursMon-Fri: 8:00AM - 5:00PM

Get the NIB app

Download on the App StoreGet it on Google Play
Follow us

© 2026 National Investment Bank PLC. All rights reserved.

Licensed by the Bank of Ghana. Learn about deposit protection from the Ghana Deposit Protection Corporation.

  • Privacy Policy
  • Cookie Notice
  • Mobile App Privacy
  • Terms & Conditions
Home/Personal Banking/Personal Loans

Personal Loans

A personal loan can bridge a gap in income or cover an emergency such as school fees, a medical bill or car repairs. There are several options, with flexible and competitive rates.

NIB Personal Loans

Loan options

Scheme Loans

For employees of partner organisations, with preferential rates.

Kwik Loans

Fast personal loans for immediate needs.

Salary Advance

Short-term loans against your next salary.

Cash Backed

Loans secured against your deposits with NIB.

CAGD Loans

For employees of the Controller and Accountant General's Department.

Benefits

  • Helps you meet your financial obligations
  • No collateral needed in some cases
  • You can top up your loan after a period of time
  • Flexible loan terms

Features

  • Competitive loan rates
  • Financing of up to 80% of collateral where applicable
  • Easy to apply
  • Fast turnaround times

You may also like

Current Account

An everyday account for payments, with cards and cheque books.

Learn more

Savings Account

Save towards your goals and earn interest.

Learn more

Bancassurance

Insurance products with GLICO, simple and affordable.

Learn more

Talk to us about a loan

Visit any branch or contact us. We will explain the options and what you need to apply.

Contact usFind a branch