Quick and hassle-free loans
Access quick and hassle-free loans tailored to meet your financial needs. With competitive interest rates and flexible repayment plans, we ensure a stress-free borrowing experience.
Loans for Government Workers
Access quick and hassle-free loans tailored to meet your financial needs. With competitive interest rates and flexible repayment plans, we ensure a stress-free borrowing experience.
- Instant loan approval process
- Competitive interest rates
- Flexible repayment terms
- Secure and convenient disbursement
Use the above link to register for a loan application. Ensure you fill in the right information.
How to get started
- Step 1: Download our Mobile App via the Google Playstore or Apple Store
- Apply for a loan or hire-purchase using your Virtual Credit Card.
- Choose to kick up your item or get it delivered to you at a fee
- Spend your approved loan.
Choose the plan that best suits your business needs and start your journey to success with myPence.
Hire-Purchase Services
Get the products you need now and pay later with our hire-purchase option. As a registered partner of the Controller and Accountant-General’s Department (CAGD), we provide an easy financing solution for government workers.
- Select Your Product – Choose from top brands like Samsung, Hi-Sense, Orca Deco, and more.
- Select the period for repayment
- Choose either to pick up item or item to be delivered
- Confirm purchase
- Enjoy Now, Pay Later – Spread payments conveniently over time.
Why Choose myPence?
Fast & Easy Application
A fully digital process with minimal paperwork.
Exclusive Virtual Credit Card
Reliable & Transparent
Trusted by the Government Workers
Regulators and Partners
Our user testimonials
Adwoa Mensah
Thanks to myPence, I got a new Samsung fridge on hire purchase without stress. The process was smooth, and payment was flexible!
Kwabena Asante
With myPence, I furnished my apartment with quality items from Orca Deco. It’s a big relief for public workers like me!
Esi Boateng
Their mobile app made everything easy. I selected my item, got approval, and had it delivered. Highly recommend myPence!
Joseph Owusu
"MyPence made it possible for me to get a smart TV from Hisense. As a police officer, it’s good to have such trusted services."
Martha Nkrumah
I was able to get a cooker and pay over time. The service is excellent and the customer support is top-notch!"
Daniel Tetteh
This platform is a blessing! I equipped my kitchen with ease and no upfront cost. Thank you, myPence!
Abena Ofori
The flexibility in payment plans is perfect for civil servants. I now enjoy my new Melcom furniture comfortably.
Michael Adu
Reliable, transparent, and fast delivery. I’ve recommended myPence to all my colleagues at the station.
Naomi Agyekum
From order to delivery, the service was smooth. I now have a new laptop for work, thanks to myPence.
Samuel Yeboah
I appreciate how myPence supports government workers. I got a deep freezer without any financial burden upfront.
Frequently asked question
All your quick questions answered for you.
myPence is a digital hire purchase and loan platform designed for government workers on the Controller and Accountant General’s payroll in Ghana. It allows you to shop for appliances, electronics, furniture, and more from top brands and pay in flexible monthly instalments.
Currently, myPence is available to:
Ghanaian government workers on the Controller and Accountant General’s payroll, Workers with verified payroll numbers and active employment
Once you select the item(s) you want:
Submit your application via the myPence mobile or web app.
- We verify your payroll and approve your request
- You receive your item(s), and the total cost is deducted monthly from your salary in manageable instalments.
- What products can I buy on myPence?
You can shop from top brands such as Samsung, Hi-Sense, Orca Deco, Melcom, and more. Products include:
- Televisions
- Refrigerators
- Air Conditioners
- Furniture
- Kitchen Appliances
- Mobile Phones, etc.
You can access our services through:
- Mobile App (Available on Google Play Store and Apple Store)
- Web App (https://mypence.com)
Yes. The minimum and maximum purchase amounts vary based on your net salary and eligibility. The system automatically calculates your eligible limit during the application process.
Repayments are automatically deducted from your monthly salary through the Controller and Accountant General’s Department.
You’ll need:
- A valid Government ID (e.g., Ghana Card)
- A recent payslip
- Your Staff ID/Payroll Number
- A passport photo
Approvals are typically processed within 24 to 72 hours, provided all required information is accurate and complete.
Yes, but only under specific conditions such as manufacturer defects or wrong delivery. Kindly refer to our Returns & Warranty Policy in the app for full details.
Yes, a small service fee is added to the total price, which is clearly shown during checkout. myPence offers competitive and transparent pricing.
We prioritise your privacy. All data is stored securely and protected with encryption. We do not share your personal or payroll information with third parties without your consent.
You can reach us via:
Phone: +233303965701
Email: info@mypence.com
In-App Chat Support
Website Contact Form