Emergency Loans
Fast Cash When You Need It Most – Within Hours!
WDPCCU’s Emergency Loan provides immediate financial relief for unexpected crises. Get same-day access to funds with minimal paperwork and affordable repayment terms.
Key Features:
✅ Quick Disbursement – Funds in under 2 hours
✅ Small Amounts – ¢500 to ¢5,000
✅ Short-Term Repayment – 1 to 6 months
✅ Low 12% Interest Rate – Better than mobile loan apps
✅ No Collateral Needed – Uses your savings history as security
How It Works
How It Works
1. Eligibility Requirements
✔ Active WDPCU member for 3+ months
✔ Regular savings deposits (at least ¢100/month)
✔ Valid Ghana Card/Passport
2. Loan Terms
| Loan Amount | ¢500 – ¢5,000 |
| Repayment Period | 1 – 6 months |
| Interest Rate | 12% flat |
| Disbursement Time | As fast as 2 hours |
Common Emergency Uses
🏥 Medical Bills – Hospital fees, medications
🔧 Urgent Repairs – Home, vehicle, or work equipment
📚 School Needs – Last-minute fees, supplies
💡 Unexpected Bills – Rent, utilities, family support
Why Choose WDPCU’s Emergency Loan?
🔹 Lower Rates – 12% vs. 30-150% from mobile lenders
🔹 No Hidden Fees – Transparent pricing from the start
🔹 Member-Focused – We understand real emergencies
🔹 Flexible Repayment – Adjust if difficulties arise
Comparison:
| WDPCU | Mobile Loan Apps | Bank Loans | |
|---|---|---|---|
| Speed | 2 hours | 5-15 mins | 3-7 days |
| Interest | 12% | 30-150% | 18-25% |
| Paperwork | Minimal | None | Extensive |
Frequently Asked Questions
Q: Can I get an emergency loan as a new member?
A: You need 3 months of membership and savings history first.
Q: What if I can’t repay on time?
A: Contact us immediately—we offer payment extensions without penalties.
Q: Is there a grace period?
A: Repayment starts immediately, but small daily/weekly payments are available.
Q: Can I apply for someone else’s emergency?
A: No—only the member can apply, but funds can be used for family needs.
Prepare for Future Emergencies
💡 Pair your loan with:
- Adom Susu Account (Save small amounts daily)