Affinity Africa

"I love to save with PayFlex because I know that anytime I need to fund my business, I have easy access to loans. Others don’t offer this, I have to go to them and they make it very difficult for people like me."

Lizzy, Business Owner, Accra

PayFlex Microfinance

Savings

Whether it is putting money aside for the future, to purchase assets or build your business, we have a range of savings and investments to suit your needs. Our products are listed below, do get in touch if you want to find out how we can help you.

PayFlex Susu

This is our entry level account to get you on your way to financial freedom. This account is open to all individuals and businesses. The minimum opening balance is GHS10. Withdrawal can be done by mobile wallet or in person over the counter.

PayFlex Savings Plus

Save for the future with our high yielding PayFlex Savings Plus account. This account is open to all Individuals and businesses. You have the flexibility to top up daily, weekly or monthly with a minimum amount of GHS10. 3, 6, 9 and 12 month options are available. Withdrawal can be done by mobile wallet or in person over the counter.

PayFlex Fixed Term Deposits

This account offers you longer-term investments at competitive interest rates. You benefit from our flexible payout and roll over options. The account is open to all individuals and businesses. You require a minimum of GHS500 to subscribe. 91, 182 and 365 day options are available.

PayFlex Microfinance

Loans

We know that running your own business is hard so we are here to help. Apply for a business loan to purchase assets, grow in size or finance your short-term needs. Our personal loans can also help your daily life outside of work.

PayFlex Microfinance

Personal Loans

Payflex Independent Loan

If you have a regular income and can provide adequate collateral, this is the loan for you. Loan tenure of up to 24 months, no endorsement is required by your employer.

Payflex Scheme Loan

If your employer has a partnership with us, this is the loan for you. Loan tenure of up to 36 months.

Payflex Cash-Backed Loan

If you have a PayFlex Fixed Term Deposit or a cash investment with another financial institution, this is the loan for you. Loan tenure of up to 36 months, secured with your investment.

Business Loans

Payflex Micro Business Loan

If you have a PayFlex Susu or PayFlex Savings Plus account with us, this is the loan for you. Loan tenure of up to 6 months.

PayFlex Small Business Loans

If you are a small-sized enterprise operating in the service, production and/or commerce sectors, this is the loan for you. Loan tenure of up to 12 months.

PayFlex Medium Business Loan

If you are a medium-sized enterprise operating in the service, production and/or commerce sectors, this is the loan for you. Loan tenure of up to 24 months.

About Us

Founded in 2010, PayFlex is a licensed deposit taking microfinance institution regulated by the Bank of Ghana. PayFlex offers savings and loans to individuals and MSMEs.​ In 2015 PayFlex was acquired by Affinity, an investment company backed by international institutions and advisors. Affinity supports the unbanked and underserved, providing every individual and business with accessible and affordable financial services they can trust.

Our Team

img
Nathaniel Addy
CEO
img
Stephen Aggor
IT Manager
img
Edwin Dzobo
Brand Manager
img
Gifty Gosu
Deposit Manager
img
George Perigrino Nelson
Finance Manager
img
Bismark Nyarko
Head of Operations
img
Kwaku Ofori
Credit Manager
img
Marian Ofosu-Dankyi
Talent Manager

Our Directors

img
Patrick Acheampong
Non-Executive Chair
img
Nathaniel Addy
Executive
img
Prof. Francis Dodoo
Non-Executive
img
Catherine Engmann
Non-Executive
img
Tarek Mouganie
Non-Executive

News

What does financial inclusion really entail?
What does financial inclusion really entail?

Access to finance is a fundamental human right. Financial services can provide the path to independence, from helping individuals secure their first

Fixing the missing middle
Fixing the missing middle

Outdated tech infrastructure can hinder large banks from building financial innovation. We look at why fintech collaboration can assist with creating

For Africa to truly rise, entrepreneurs must be prioritized
For Africa to truly rise, entrepreneurs must be prioritized

In the summer of 2012, I quit my job in London to move back home to Ghana. The decision was long overdue but the catalyst was the culmination of a nu

Financing for SMEs: from Microfinance to banks - where will capital come from?
Financing for SMEs: from Microfinance to banks - where will capital come from?

Despite the abundance of liquidity available to finance institutions in many parts of the world, too few SMEs have access to finance that allows for sustainable

Contact Us

PayFlex Osu

PayFlex Headquarters,
700 Mission Street,
Adjacent Papaye,
Osu, Accra.

Opening Hours:

Monday-Friday
8am-5pm

Telephone: 0302 773 766

Telephone/WhatsApp:

+233 (0)50 2169465

By Email:

info@payflexghana .com

By Post:

PayFlex Microfinance Company Limited

P.O. Box CT 1172,

Cantonments, Accra,

Ghana.