Real Solutions, Real Results, Real Change
Unlocking Opportunity Through Access
Empowering People. Transforming Communities.
At Credit Mall, we are driven by a deep commitment to Inclusion, Equity, and Sustainable Development. Across Africa, millions of people have the talent, ambition and determination to succeed but are held back by limited access to financial products and because we believe in the power and potential of people, we are changing this narrative. By breaking down financial barriers, we are not only expanding access to unlimited opportunities but also helping to build a more equitable, sustainable future across the continent, starting from Ghana.
Building a Scalable Blueprint for Inclusive Growth in Emerging Markets
Our work in Ghana proves that inclusive and alternative financing works. This serves as a scalable blueprint for how underserved people and communities across Africa and emerging markets can access credit, digital tools, and essential goods regardless of their location or income. By providing affordable and flexible financial solutions, we empower people to grow their businesses, improve their livelihoods, support their families and ultimately plan for their future with confidence.
Solving Global Challenges at the Local Level
Credit Mall is tackling four critical global challenges: Financial Exclusion, Digital Divide, Affordable Housing, and Climate-Conscious Mobility. With over 1.4 billion adults globally unbanked, we are closing the gap through innovative models that don't rely on traditional credit scores. We are creating new pathways for those traditionally excluded from the financial system, building a model that can be replicated in underserved markets.
Empowerment Begins with Access
At CreditMall, we believe true empowerment starts with access, the access to tools, resources, and opportunities that enable people to take control of their future. Whether it's a delivery rider needing a reliable electric bike to grow their income, a young entrepreneur in need of a smartphone to join a ride-hailing platform, or a family looking for building materials to complete their home, we are there to help. Our flexible credit solutions are designed with the realities of our customers in mind. By removing financial barriers and offering a variety of lending options, we are helping thousands of Ghanaians move from surviving to thriving. Customers not only access what they need today, but they are also able to plan, grow, and manage their finances without being buried by debt. Through our approach, we are expanding financial access, building trust, instilling confidence, and creating a pathway toward a self-sustaining and financially empowered nation.
Real Impact, Real People
We have seen firsthand how access to credit transforms lives. When people are financially empowered, when they have what they need to succeed, the future becomes brighter. To us, Financial Inclusion goes beyond access to money, it's about opportunity, empowerment, dignity, hope and the power to shape your own story. We are proud of the impact and progress we have made and even more excited about what lies ahead. With every person we support, we take one more step toward a more inclusive and financially empowered Ghana.
Our Commitment to a Greener Future
At CreditMall, we are committed to driving economic progress without compromising the planet. Through CML Innovation and CML Mobility, we actively promote a green economy by financing energy-efficient electronics and electric bikes, helping reduce carbon emissions and accelerate the transition to clean, low-carbon transport especially in urban and peri-urban areas. Our sustainable financing model encourages responsible consumption, supports clean energy adoption at the household level, and aligns with both national and global climate goals. By integrating environmental responsibility into our credit offerings, we are helping build a more resilient, sustainable future for communities across Africa.
To an Equitable, Sustainable Future
Credit Mall Limited is building a future where everyone, regardless of background, income level or location has the tools to thrive in a financially empowered, digitally connected, and environmentally sustainable world.
Empowering Ghana’s Workforce, One Solution at a Time
At the heart of our mission is a commitment to financial empowerment. We are unlocking access to essential items that help everyday Ghanaians invest in their future, whether it’s through education, entrepreneurship, or personal financial growth. Every transaction is a step toward long-term prosperity.
We have already transformed lives by offering affordable credit and flexible payment options that make critical resources accessible to more people. Our work is driven by a simple but powerful belief: WHEN PEOPLE ARE EMPOWERED, A NATION THRIVES.
CML on Wheels
Our electric bike financing program empowers delivery workers and small business owners with affordable mobility solutions, increasing their earning potential while promoting eco-friendly transportation options.
Ascend Smartphone Financing
By making smartphones accessible through flexible financing, we’re bridging the digital divide and enabling Ghanaians to participate in the digital economy, access educational resources, and build online businesses.
Builders Club
Our building materials financing program helps homeowners and small contractors complete construction projects that would otherwise remain stalled due to financial constraints, improving housing quality and creating jobs.
Innovative Credit Solutions for Everyday Needs
We design financing solutions around the real-life needs of Ghanaians. From smartphones to electric bikes and building supplies, our financing option makes it easier for people to access what they need without financial strain.
Access to manageable payment plans improves customers’ finances, strengthens households, increases earning potential, and uplifts entire communities.
Driving Change Through Financial Inclusion
We believe Financial Inclusion is key to breaking the cycle of poverty. By expanding access to financial products and services, we empower people and communities to build resilience and unlock long-term opportunities for economic growth.
Each smartphone financed unlocks digital literacy and new income streams. Each electric bike starts a micro-business. Each building supply purchase helps complete a home or workspace. We are investing in people, families, and their future.
Creating a ripple effect of opportunity for generations to come.
Building a More Resilient Ghana
Our approach focuses on sustainable financial products that build long-term financial strength by giving people access to credit, savings tools, and affordable financing. The impact goes far beyond people. As our customers succeed, their families benefit, their communities grow and local economies are strengthened, creating a ripple effect of opportunity for generations to come.
We believe in a future where every Ghanaian has the resources to thrive and we are building it, one solution at a time.
Sustainable Growth
We're focused on solutions that create lasting change, not quick fixes. Our financial products are designed to build long-term resilience.
Community Impact
When individuals thrive, communities prosper. Our work strengthens local economies and creates opportunities across Ghana.
Our Performance
Our impact goes beyond numbers, but these metrics help tell the story of our commitment to financial inclusion and empowerment across Ghana.
Ghanaians who have gained access to life-changing products through our flexible financing solutions
Of our customers successfully complete their payment plans and build positive credit history
Through our smartphone financing and e-bike programs, enabling income opportunities in the digital economy
Our programs have a strong focus on empowering women entrepreneurs and business owners
Every number represents a story of transformation. We’re committed to continuing our journey of creating positive impact across Ghana.