We are committed to responsible lending which empowers the beneficiaries of our services and products.

Frequently Asked Questions

Some questions you may have are answered here.
If you have any additional question which is not already answered here, please give us a call, or use the enquiry form here.

Thank you!

Why Choose Us?
  • A decade of sound financial services focused on the retail consumer market.
  • 10 years of enabling social change through convenient access to financing for beneficiaries.
  • Licensed and supervised by Bank of Ghana.
  • A heritage of prime focus on customer experience and competitive pricing.
  • We are purpose-driven with DNA of respecting and sharing returns with all stakeholders.
  • 8 years of resilience and sustainable profit trajectory.

   What is IFINANCE mobile App?

The IFINANCE App is a branch in your pocket for Blue customers. It provides secure and convenient access to BFSGL products and services.

  1. Do I have to buy the IFINANCE App?

No. It is completely free to download and install.

  1. Do I need to have an account with Blue Financial Services to sign up on to IFINANCE App?

Yes. The product is available to only existing and new customers of Blue Financial Services Ghana Ltd.

  1.  What can I do with IFINANCE mobile App?
  • View balances, account activity and statement.
  • Initiate application for loan and facility.
  • Open deposit account.
  • Send money to all Mobile money wallets in Ghana, send money to bank (accounts) in Ghana, load money to your Blue wallet, transfer money between Blue accounts and mobile wallets in Ghana.
  • Pay bills, pay for goods and services.
  • Top-up airtime for any mobile networks MTN, Vodafone, AirtelTigo and customize the app.
  • Make enquiries and file complaints.
  1. How much does it cost to use IFINANCE app?

No cost. There is no fee for using the app. Message and data usage fees may apply, check with your data or VoIP provider for more information.

  1. What devices work with IFINANCE mobile App?

Android™ and iPhone® devices with the following Operating Systems are supported:


Android™ 5.1 or later

Apple® iOS:

  1. How do I download the IFINANCE mobile App?
  2. Visit App Store on your iPhone® and search for “IFINANCE mobile app” or
  3. Visit Google Play on your android™ phone and search for “IFINANCE mobile app”
  4. I’ve downloaded the IFINANCE app, how do I sign-in for the first time?
  • For existing Blue customers, on the login page enter your phone number, you’ll receive an OTP for authorization, create PIN then review and accept the Terms and Conditions to sign-in.
  • For new customers, click on the “Sign-up” link on the login page, enter your phone number and Ghana Card number. Review and confirm your personal details, confirm OTP, and accept the Terms and Conditions. Your registration will be approved within 24 hours.
  1. What if I don’t remember my PIN or having trouble logging in?

If you have forgotten your PIN, click on the “Forgot your password?” link on the login page of the mobile app. Please provide the information requested and click “Continue.” Once your information is verified, you will be able to create a new PIN.

  1. What if I become locked out of IFINANCE app?

Please contact us at 0302263194 / 030 3968196 for assistance. You can reach us on WhatsApp number 0501609958 / 0593815574

  1. Can I use my IFINANCE App outside Ghana?

Yes, if your mobile carrier offers Internet service in the country you are visiting. Any additional charges from your carrier will apply (e.g., roaming, access, text charges, etc.)

  1.  I suspect that my PIN has been stolen or exposed to others?

If you suspect that your PIN has been stolen or exposed to others, please change your PIN immediately. Choose ‘Account & Profile’ in the app and change your PIN.

  1. What if I suspect there are unauthorized transactions on my account?

If you suspect unauthorized transactions have been performed on your account, please contact our Mobile Banking hotline on 0303-968898/0303-968196, providing details such as your name, account number, transaction type, date and time of transaction, description of error and amount involved.

If you suspect they are due to lost / stolen PIN, please call our mobile banking to terminate the password immediately.

You may want to take note of your last login date and time, which is indicated on the Personal Homepage.

  1. How do I find your office?

 You do not have to log in to view addresses or maps to our office locations or even to get our contact information. Simply open the App and use the “Location” or “Help” link on the main screen.


Who is eligible for a Loan?

  • All employees under Controller & Acct. General
  • All personnel of the Ghana Armed Forces.
  • All personnel of Ghana Police Service.
  • All personnel of DVLA
  • All personnel of GRA
  • All personnel of GRIDCO
  • All personnel of Ghana Water Company
  • Employees of private companies with payroll agreements with Blue.
  1. What are the loan products available for me to choose from?
  2. Blue CashXpress Loan
  • 1 Month
  • 2 Months
  • 3 Months
  • 6 Months
  1. Blue Term loan
  • Three (3) Months
  • Six (6) Months
  • Nine (9) Months
  • Twelve (12) Months
  • Fifteen (15) Months
  • Eighteen (18) Months
  • Twenty-Four (24) Months
  • Thirty (30) Months
  • Thirty-Six (36) Months
  • Forty-Two (42) Months
  • Forty-Eight (48) Months
  • Sixty (60) Months
  • Seventy-Two (72) Months


3.     Requirement For Term Loan?

  • Completed loan form.
  • Proof of bank details: voided cheque leaflet or bank statements
  • Ghana Card
  • One (1) most recent passport-sized photograph
  • Three (3) copies of most recent pay slip
  • Ghana Post Code
  • Authority Note-CAGD, GRIDCO
  1. Requirement for Blue CashXpress Loan?

The Applicant

  • Completed loan form
  • Expected Amount: GHS 200 – GHS 15,000.00
  • Repayment Period: Maximum- 6 months
  • Post-dated Cheques / standing order at the bank
  • 3 Months Bank Statement-endorsed by bank
  • 3 months current payslips
  • Valid Ghana Card
  • 1 most recent passport picture

The Guarantor

  • Completed guarantor form
  • 1 most recent passport picture
  • Current payslips (3 months) and endorsed current bank statements (3 months)- (salary of guarantor should be equal to or more than applicant).
  • Ghana Card
  1. What is your loan interest rate?
  • Our rates differ based on repayment duration.
  • Interest ranges from 2.62% -3.96% per month for term loans.
  • Interest ranges from 5% – 6% per month for emergency loans

  1. What is the maximum loan amount?

You can borrow from GHc200 up to GHc100, 000 depending on your salary.

  1. What is the longest loan repayment period?

You can repay your loan in 1-month, 3-months, or maximum of 72 months

  1. How long does it take to disburse a loan?

We will process and pay-out your loan in 24hrs or earlier, after receiving all documents. 

  1. How do I apply for my refund, if over deducted?

In the unlikely event that you are over deducted, please call 0303-968898/0303-968196 

  1. How do I know my settlement balance?

Please call our Customer Service on 0303-968898 for your balance.

  1. When do I qualify for a top up loan?

After meeting at least three months instalments and has affordability. 

  1. What do I benefit from a loan?
  • Loan disbursement is made electronically into your bank account or mobile money wallet, eliminating the need to visit a branch.
  • Convenient repayment through monthly payroll deductions for term loans.
  • Convenient repayment through monthly post-dated cheques or banker draft for emergency loans
  • No transactional banking costs or application fees.
  • Quick pay-out (within 24 hours).
  • 100% insurance with funeral benefit in the event of death or permanent disability for term loans.


Follow us on:  

  1. Facebook, Instagram, Twitter, and LinkedIn @bluefsgh
  2. YouTube:  Blue Financial Services Ghana Limited
  3. Website:
  4. WhatsApp: 0501609958 /0593815574
  5. Office Addresses

GPS: GA-032-0507

Location: Matti House, 2 HP Nyemetei St.

                    11th Lane Ringway Estates, Osu

Postal Address: PMB CT 325 Cantonments, Accra

Main Telephone Lines: 0303968196 or 0303968898

Get Access to Quick Loans Today!

We are committed to responsible lending which empowers the beneficiaries of our services and products.