Put your money to work, every single month.
Your deposits fund quick loans to vetted borrowers across Ghana — and earn a set monthly rate in return, tracked live in your own investor dashboard.
Fixed monthly rate
Your rate is set with Kim when you open your account — typically fixed per month, so your earnings are predictable.
Live tracking
Watch interest accrue day by day in your investor dashboard, with a full ledger of every deposit, credit, and withdrawal.
Withdraw anytime
Take out your interest — or your balance — via Mobile Money whenever you need to. No lock-in gymnastics.
From deposit to earnings in four steps.
- 01
Deposit via MoMo
Open an investor account and fund it straight from MTN MoMo, Telecel Cash, or AirtelTigo.
- 02
Funds power vetted loans
Your balance funds loans to KYC-verified borrowers. Kim Loans handles approval, disbursement, and collection.
- 03
Interest credited monthly
Every month, your fixed rate is applied to your balance and credited to your account — visible in your ledger.
- 04
Withdraw or compound
Cash out your interest via MoMo, or leave it in so next month's interest is earned on a bigger balance.
A simple illustration: GHS 10,000 at 4%/month.
Say you deposit GHS 10,000 and your agreed rate is 4% per month. Each month, GHS 400 in interest is credited to your account — withdraw it, or leave it in to compound.
Illustration only. Your actual rate is set with Kim when you open your account — typically fixed per month — and is not a contractual promise of this figure.
| Month | Interest credited | Total earned |
|---|---|---|
| Month 1 | GH₵400.00 | GH₵400.00 |
| Month 2 | GH₵400.00 | GH₵800.00 |
| Month 3 | GH₵400.00 | GH₵1,200.00 |
| Month 4 | GH₵400.00 | GH₵1,600.00 |
| Month 5 | GH₵400.00 | GH₵2,000.00 |
| Month 6 | GH₵400.00 | GH₵2,400.00 |
| After 6 months | GH₵2,400.00 |
Example assumes interest withdrawn monthly. Compounding grows the total further.
Your money, handled with care and clarity.
Every borrower is vetted
Loans are only issued to identity-verified (KYC) borrowers who pass our review — that discipline protects the money that funds them.
Full transparency
Your dashboard shows your principal, accrued interest, and complete transaction ledger. Nothing happens to your money that you can't see.
Managed by Kim, personally
Rates and terms are agreed directly with Kim. You always know who is handling your money and how to reach them.
How does the interest work?
You earn a fixed rate per month on your balance, agreed with Kim when you open your account. It isn't tied to market swings — the rate is set upfront.
When is interest credited?
Monthly. Each credit appears in your ledger the moment it lands, and your dashboard shows accruals building between credits.
Can I withdraw whenever I want?
Yes. Withdrawals go to your Mobile Money wallet. Large withdrawals may take a short processing window, which we'll confirm with you.
Is my money safe?
Your funds back loans to KYC-vetted borrowers with published repayment terms, and every movement of your money is recorded in your ledger.
Ready to earn? Open your investor account.
Create your free account, agree your rate with Kim, and make your first deposit via Mobile Money.