We are the next gen banking experience
World-class support
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Mobile networks
MTN, Telecel, and Airtel supported.
Earning & expense
Capital accumulation report.
Mobile and desktop app
Access and manage your micro-loan status anytime, anywhere.
GHS 15,804.93
Create your account today!
Built for the rhythm of life in the North.
We know money in the North doesn't always move in monthly cycles. A farmer is paid after harvest. A trader restocks on market day. A teacher waits on Controller. A weaver finishes a smock and waits for the next order. The big banks weren't designed around these realities — we are.
Palace Micro Credit gives you short-term credit that matches how you actually earn. Whether you need GHS 500 for tomorrow's market run or GHS 30,000 to expand your shop, our loans are structured to be paid back on a timeline that works for you — not one borrowed from a textbook in Accra.
licensed provider
Registered by the Bank of Ghana. We operate fully within responsible lending guidelines.
1. Loans that match your cycle
Daily, weekly, monthly, or after harvest — we structure repayment around your real income, not a fixed textbook schedule.
2. Fast and local
Our officers are based here. They know Bolga Market, they know the surrounding districts, and they can usually give you an answer the same day.
3. Plain and honest
We tell you what the loan costs before you sign. No hidden charges, no surprise fees, no shame at the door if life happens and you need to reschedule.
Flexible loan products built for your business
View Detailed Product RatesBusiness Loan
Short-term working capital for established small businesses.
Trader's Loan (Susu-Style)
Daily or weekly repayment for market traders.
Farmer's Loan
Seasonal credit, repaid after harvest.
A simple process built around your schedule
Start your applicationApply
Walk into our office on Commercial Street in Bolgatanga, call us, or fill out our short application form online.
Get Assessed
A loan officer will meet you directly at your shop, farm, or office to verify your details. This takes less than an hour.
Receive Funds
Once approved, receive your funds directly in cash or via mobile money (MTN, Telecel, or Airtel) in less than 24 hours.
Trusted by thousands in Northern Ghana
"Palace funded my groundnut and soya planting for two seasons in a row. I paid back after harvest with no stress. Now I'm farming nearly twice the land."
Awini A.
Farmer, Talensi District
Ready to take the next step?
Whether you need GHS 300 for the market tomorrow or GHS 30,000 to grow your business this quarter, we'd like to hear from you.