Frequently asked questions

The amount depends on the loan product, your financial circumstances, your ability to repay and applicable lending criteria.

Processing time varies according to how complete your application is and the assessment requirements that apply to it. Providing all requested documents up front helps us move faster.

A guarantor may be required depending on the loan product and the assessment of your application. Where one is required, the guarantor must understand the obligations involved and sign the applicable guarantor documentation.

One missed payment constitutes default under the loan agreement. Where a customer defaults, VIVA BAAF may take the recovery measures permitted under the signed agreement and applicable law. If you anticipate difficulty making a payment, please contact us promptly.

Yes — you can start your application using the online form on this website. You are also welcome to contact the office by phone or WhatsApp, or visit us in Adoagyiri, Nkawkaw.

Requirements depend on the loan product and your circumstances. Generally you may be asked for valid identification, residential and contact details, occupation or business details, income information, and guarantor information where applicable. See the full list on the How to Apply page.

Interest and any applicable fees are determined following assessment and are disclosed to you before acceptance. They are set out in your loan agreement. The rate in our online calculator is a figure you choose yourself for illustration — it is not a rate offered by VIVA BAAF.

We serve Nkawkaw and surrounding areas. Our office is located in Adoagyiri, Nkawkaw, P.O. Box 304, Ghana.

Contact VIVA BAAF as soon as possible. Customers experiencing difficulty making a payment should reach out early — speaking with us before a payment is missed gives us the best chance of working through it with you.