Terms & conditions
The general terms that apply to lending by VIVA BAAF Micro Credit Enterprise.
Notice for VIVA BAAF. These terms reflect the content supplied in your website
content document. Please have a Ghana-qualified legal professional review this page before
publication to confirm it is complete and accurate for your business.
General terms
- Loan approval is subject to assessment.
- The approved amount may differ from the amount requested.
- Interest and applicable fees will be disclosed before acceptance.
- The borrower must make payments according to the agreed schedule.
- One missed payment constitutes default under the loan agreement.
- Guarantor obligations are governed by the signed agreement.
- False information may result in rejection or other action permitted by law.
- The signed loan agreement is the controlling document for the specific loan.
The controlling document
Nothing on this website forms part of any loan agreement, and nothing here should be read as an offer of credit. Where anything on this website differs from your signed loan agreement, the signed loan agreement applies.
Before you sign. Make sure you understand the amount borrowed, the interest,
any applicable fees or charges, the repayment amount, the repayment frequency, the
repayment period, the consequences of late or missed payments, and the responsibilities of
any guarantor. See Responsible Borrowing.
Use of this website
The information on this website is provided for general information about VIVA BAAF Micro Credit Enterprise and its loan products.
- Figures produced by the loan calculator are estimates only and do not constitute an offer of credit.
- The interest rate used in the calculator is selected by the person using it and is not a rate offered or advertised by VIVA BAAF.
- Actual loan amounts, interest, fees, repayment schedules and other terms are determined following assessment and stated in the applicable loan agreement.
- Submitting an online form does not create any obligation on VIVA BAAF to grant credit.