Salary-backed loans for Ghana’s public servants
You serve Ghana every day. When you need financial support, ILMG connects you with trusted bank loans backed by your CAGD payroll — with a dedicated agent guiding you every step of the way.
Are you eligible?
If you are a permanent government employee paid through the CAGD payroll, ILMG can help you access a salary-backed loan.
Know your monthly deduction before you apply
Use our calculator to see roughly what a loan would cost each month. Your repayment is deducted automatically from your salary, so there are no missed payments and no queues at the bank.
- Loans from GHS 1,000 to GHS 100,000+
- Flexible terms of up to 72 months
- Funds paid directly into your bank account
Estimate your repayment
Deducted automatically from your CAGD payslip
Illustration only, based on an indicative rate of 30% p.a. Your actual rate and eligibility are set by the partner bank.
What you get when you apply through us
Fast processing
Our CAGD expertise and pre-screening mean your application moves quickly — fewer delays, fewer rejections.
Dedicated personal agent
One agent handles your enquiry from first contact to final disbursement. No call centres — real, personal service.
Safe & compliant
Applications are processed in full compliance with the policies of our regulated banking partners.
No upfront fees
ILMG is paid by our banking partners. You will never be asked to pay a fee before receiving your loan.
Error-free applications
We review every document before submission to maximise your approval chances and avoid delays.
Ongoing support
Our team stays available after disbursement for any questions about repayments or your account.
Your loan in five simple steps
We have made the journey from application to disbursement as simple and stress-free as possible.
Submit your enquiry
Complete our short online form, call, or WhatsApp us with your profession, employer and needs.
Agent consultation
A dedicated agent calls you, checks eligibility and explains every option clearly.
Document collection
We give you a precise checklist and help prepare your payslip, ID, employer letter and more.
Application submission
We quality-check and submit your complete application to our partner bank for you.
Approval & disbursement
The bank pays into your account. Repayments are deducted from your CAGD payslip.
Frequently asked questions
Who qualifies for a CAGD-backed loan?
Any permanent government employee whose salary is processed through the Controller and Accountant-General’s Department (CAGD) — including teachers, nurses, police officers, civil servants, military personnel and public university staff.
How fast can my loan be processed?
With ILMG’s pre-screening and quality control, most applications reach partner banks significantly faster than applying directly. Final disbursement depends on the bank’s turnaround time, and our team follows up actively at every stage.
Do I need to visit a bank branch?
In most cases our agents manage the entire process on your behalf. You may need to visit a branch only for final signing or biometric verification.
Are there any upfront fees?
No. ILMG is compensated by our banking partners through an agreed commission on disbursed loans. No upfront or hidden charges are ever passed to you.
Can I apply if I already have a loan?
This depends on your remaining CAGD deduction capacity and the partner bank’s lending policy. Your agent will assess this during your free consultation.
What documents will I need?
Typically a recent payslip, Ghana Card or other government ID, three months’ bank statements and an employment or confirmation letter. Your agent will give you a complete, personalised checklist.
Trusted by the people who serve Ghana
Teachers, nurses, officers and civil servants share what it was like to apply through ILMG.
“ILMG made the entire process completely stress-free. My agent handled all the paperwork and my loan was disbursed within days. I cannot recommend them enough.”
Ready to take the next step?
Banks & Financial Institutions
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Request a Partnership MeetingGovernment Employees
Apply for a salary-backed loan today. Fast, transparent and stress-free — with a dedicated agent handling every step, and no upfront fees.
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