FicashX Personal Loan: How to Apply, Requirements, App and more

The FicashX app is a premium financial app that helps users easily get online loans with flexible terms. FicashX is committed to helping Ghanaians who needs loan credit for their financial needs by providing them with access to affordable and reliable credit solutions. You can apply for a loan online, and receive the funds in their MoMo account within 24 hours. They also have an app that allows you to access an accounts anytime, anywhere, and manage your loan payments securely.


  1. Applicants must be at least 18 years of age.
  2. You must provide valid government-issued identification card.
  3. You must have an active MoMo account with your name.
  4. You must have a steady and verifiable source of income (such as a job, self-employment, benefits, etc.).
  5. You must be a Ghanaian.
  6. You must have a valid email address.
  7. You must have a valid phone number.

How to get the app

  1. Visit
  2. The app will show up after a successful load.
  3. Click on download and wait for the app to successfully download.
  4. Now, open the app and register using your mobile number
  5. Wait for a verification code and type it inside where required
  6. You will now the given a dashboard where you can apply for your loan.

How to Apply

  1. Download the FicashX Loan app.
  2. Launch the App on your phone.
  3. On the Mobile App, click on request for funds.
  4. Apply by filling the loan application with your personal and mobile money account details.
  5. Your application will be reviewed and if you qualify, your requested amount will be disbursed into your MoMo wallet immediately.

How much loan can you request from FicashX

Your initial loan request start from GHS 100 the more you request and pay on time, the higher your request goes. The maximum you can request is GHS 5,000.

Benefits on applying for FicashX loan

  1. They are fast and convenient
  2. They are flexible repayment terms
  3. Low interest rates
  4. No hidden fees
  5. 24/7 Customer service
  6. Online support

How to repay your FicashX loan

  1. Open the loan app.
  2. Once you are in the app, you will see ‘Repayment.’
  3. Click on that button.
  4. On the next page, they will show you the amount you are supposed to pay.
  5. To proceed, click on ‘Repay Now.’

How to repay your FicashX loan using MTN mobile money Wallet

You can repay your loan directly using MTN MoMo. To do so,

  1. Dial *170#
  2. Select 1 (Transfer Money)
  3. Type 1 (momo user)
  4. Input Users Number
  5. Confirm number
  6. Enter the amount
  7. Enter reference
  8. Confirm transaction with your MoMo PIN


FicashX is a great way to get access to fast and easy loans for your financial needs. With an easy application process, flexible requirements, and an intuitive app, it is one of the most convenient loan options available.

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