Are you in need of financial assistance in Ghana? Look no further than the National Savings and Loans (NSS) Direct Loan.

This loan option is designed to help individuals and businesses in Ghana access the funds they need to grow and thrive.

In this article, we will guide you through the simple steps of applying for an NSS Direct Loan.

NSS Direct Loan Eligibility Criteria

To be eligible for an NSS Direct Loan, you must meet the following criteria:

  • Be a Ghanaian citizen
  • Be a NSS Personel
  • Have a steady source of income
  • Be at least 18 years old
  • Have a valid ID (such as a voter ID card or passport)

NSS Direct Loan Required Documents

To apply for an NSS Direct Loan, you will need to provide the following documents:

  • A completed loan application form
  • Proof of income (such as a pay stub or income statement)
  • A copy of your ID
  • A copy of your utility bill (to confirm your address)
  • A letter of recommendation (if applicable)

NSS Direct Loan Application Process

The application process for an NSS Direct Loan is straightforward and easy. Simply follow these steps:

  1. Visit your nearest NSS branch
  2. Fill out the loan application form
  3. Submit the required documents
  4. Wait for your application to be processed
  5. If your application is approved, you will receive the loan funds in your account

NSS Direct Loan Applying Via Mobile

With the advancement of technology, applying for NSS loan can be done on your phone using a shortcode.

Dial *396*1# to apply

NSS Direct Loan Repayment

Repaying your NSS Direct Loan is easy. You will be required to make regular payments until the loan is fully repaid. The repayment schedule will be based on your income and the terms of your loan.


Applying for an NSS Direct Loan in Ghana is a simple process. As long as you meet the eligibility criteria and have the required documents, you can easily access the funds you need to grow and thrive. So don’t wait any longer, visit your nearest NSS branch and apply for a loan today.



Mensah courage is a professional teacher and co-founder of Together with team, we serve our readers with accurate information about the Ghananian education space and more. Follow me on all social media platforms