To become a saver with First Choice Investments Hub, you need:
- Valid government-issued photo ID (passport, voter's ID, or national ID card)
- Proof of address (utility bill or tenancy agreement)
- A completed registration form
- Initial deposit to activate your savings account
There is no credit check required to become a saver—everyone is welcome to start their savings journey with us.

The minimum savings period is typically 3 months of consistent deposits, but this can vary based on your savings frequency and amount. We look for a pattern of regular savings rather than just the duration. Some members may qualify sooner if they demonstrate strong savings discipline, while others may need more time to build a sufficient history. Our team will guide you on your eligibility status as you save.

We offer two main types of loans to our qualified savers:
Unsecured Personal Loans: For personal needs like school fees, emergencies, home improvements, or debt consolidation.
Business Loans: For entrepreneurs and small business owners looking to expand inventory, purchase equipment, or increase working capital.
Loan amounts and terms are determined based on your savings history and repayment capacity.

Our interest rates range from 19.99% to 35.99% APR, depending on your savings history, loan amount, and repayment period. Loan amortization periods are between 24 to 120 months. For example: ₵1000 borrowed for 24 months at 35.99% would have a monthly payment of approximately ₵59.06, with total repayment of ₵1,417.41. We believe in transparent pricing with no hidden fees.

When you're ready to apply for a loan, you'll need:
- Non-expired government-issued photo ID
- Proof of income (paystubs, business records, or bank statements)
- Bank statements (last 3-6 months)
- Proof of address
- Your savings history with First Choice (we already have this)
- For secured loans: additional collateral documents may be required

Yes, your savings remain your own money. However, maintaining a healthy savings balance while repaying your loan demonstrates continued financial discipline and can help you qualify for larger loans in the future. Some members choose to keep their savings as a financial cushion while repaying. Specific terms regarding savings withdrawals during an active loan will be explained in your loan agreement.

Consistency is key to our model. If you miss a savings deposit, it may affect your loan eligibility timeline. For missed loan payments, late fees may apply and it could impact your ability to access future loans. We encourage open communication—if you're facing financial difficulties, please contact us immediately. We're here to work with you and find a solution, not against you.

Unlike traditional banks that rely on credit scores and collateral, First Choice Investments Hub uses your personal savings history as proof of your financial reliability. We're not just a lender—we're a financial partner. We help you build the discipline to save first, then reward that discipline with access to credit. Our model is community-focused, transparent, and designed for people who may not qualify for traditional bank loans but have the commitment to save consistently.

Getting started is easy! Simply visit our office or contact us to register as a member. Bring your valid ID and proof of address. Make your initial deposit and begin your savings journey. Our team will guide you through the process, explain your savings options, and help you set a savings plan that works for your income. Once you've built your savings history, you'll be on your way to accessing the loan you need.