Help Center

Active Loan is a digital lending platform operated by RUHA PRIME GENERALS LTD that provides fast, convenient personal loans to Ghanaians through their mobile phones. Our app uses advanced technology to assess creditworthiness and disburse funds directly to your mobile money wallet.

Yes. RUHA PRIME GENERALS LTD is a legally registered company in Ghana. We operate in full compliance with all applicable laws and regulations governing digital lending services.

First-time borrowers can access smaller amounts starting from GHS 100. As you build a positive repayment history, your limit increases automatically up to GHS 50,000 for personal loans and business loans.

Our interest rates are competitive and vary based on the loan amount, duration, and your credit profile. All rates and total repayment amounts are clearly displayed in the app before you confirm your loan application. There are no hidden fees whatsoever.

Late repayments may incur penalty fees as outlined in your loan agreement. We encourage borrowers to repay on time to maintain a good credit profile and access higher limits. If you anticipate difficulty repaying, please contact our support team before the due date.

Absolutely! We encourage early repayment. When you repay early, you may benefit from reduced interest charges. Early repayment also positively impacts your credit profile, helping you qualify for larger loans and better rates in the future.

We do not have a fixed minimum income threshold. Our credit assessment considers multiple factors including your income, spending patterns, and repayment history. We believe in giving everyone a fair chance based on their individual circumstances.

Registration is simple and takes about 2 minutes. You will need your name, a valid Ghana Card or government-issued ID, an active mobile money number registered in your name, and basic information about your occupation and income.

Yes. We take data security very seriously. All information is encrypted using 256-bit SSL encryption. We never sell or share your personal data with third parties. Your privacy is protected by our strict privacy policy and data protection practices.

You can reset your password through the app using your registered mobile number. A verification code will be sent to your phone. For additional assistance, contact our support team via email.

Active Loan supports all major mobile money providers in Ghana, including MTN Mobile Money (MoMo), Vodafone Cash, and AirtelTigo Money. You can receive funds to and make repayments from any of these wallets.

Most applications are reviewed and approved within minutes. Our AI-powered system evaluates your application instantly. In some cases, additional verification may be required, which could take a few hours.