If you can't log in:
• Select "Forgot Password" on the app's login screen.
• Follow the prompts to reset your password using your registered email or phone number.
• Need help? Contact support@ayalend.com for assistance.

You're eligible to register if you:
• Are 18 years or older, verified through our KYC (Know Your Customer) process.
• Reside in Ghana or an authorized jurisdiction.
• Provide accurate and complete information during registration.
• Are not restricted from using financial services under Ghanaian law.

You'll need to submit:
• Identity Details: Full name, ID number, date of birth, gender, and a valid ID (e.g., passport, voter ID).
• Contact Information: Phone number, email, and residential address.
• Financial Details: Bank account or mobile payment details for loan disbursement and repayment.
• Accuracy: All information must be truthful to avoid delays or rejection.

Loans range from GHS 100 to GHS 10,000, depending on:
• The accuracy and completeness of your application.
• Your repayment history with AyaLend.
• Your credit profile, assessed via the Ghana Credit Reference Bureau (CRB).

Common reasons include:
• Incomplete or inaccurate information.
• Ineligibility (e.g., under 18 or non-resident).
• Insufficient income or poor repayment history.
What happens next?: You'll receive a notification with the specific reason and can reapply after addressing the issue.

No, applying involves a soft inquiry, which does not impact your credit score. However, late repayments may be reported to the CRB and could affect your score.

No, you can only have one active loan at a time. Repay your current loan in full before applying for another.

• Factors: Rates depend on loan amount, term, and your risk profile, assessed via CRB data.
• Transparency: Rates are non-fixed, comply with Ghanaian regulations, and are clearly stated in your loan offer.
• Range: Typically between 5% to 30% annually, subject to approval.

Yes, early repayment is encouraged:
• No penalties: Pay off your loan ahead of schedule without extra fees.
• Benefits: Early repayment may improve your borrowing score, potentially increasing future loan limits.

Yes, repayments can be made on your behalf using:
• The loan reference number via the app or authorized payment channels.
• Contact support@ayalend.com to confirm payment details.

If you overpay:
• Contact support@ayalend.com for verification.
• Excess amounts will be refunded within 5-7 working days to your registered payment account.

Late repayments may result in:
• A 1% daily late fee on the outstanding amount.
• A lower borrowing score, limiting future loan amounts.
• Reporting to the Ghana Credit Reference Bureau (CRB) after 30 days overdue, which may impact your credit rating.
• Potential debt collection actions, as outlined in our Terms of Service.

• No Data Sales: AyaLend does not sell, lease, or use your data for commercial profit.
• Limited Sharing: Data is shared only with your consent for:
  – Credit Reference Bureau (CRB) for credit checks.
  – Regulatory authorities (e.g., Bank of Ghana) as required by law.
  – Service providers (e.g., payment processors) under strict confidentiality agreements.
• Your Control: You can revoke non-essential data permissions via support@ayalend.com.

We only request camera permission for:
• Capturing ID photos for KYC verification.
• Real-time facial recognition to prevent fraud.
• Details: Permission is requested via pop-ups, and you can disable it in device settings without affecting browsing. We do not access contacts, SMS, or location data.

Try these steps:
• Check for updates on Google Play.
• Restart the app or your device.
• Ensure a stable internet connection.
• If issues persist, contact support@ayalend.com or use the in-app chat for assistance.

Reach us via:
• In-app chat: Fastest for urgent issues.
• Email: support@ayalend.com or dpo@avancanavida.co (for privacy concerns).
• Phone: Available Monday to Saturday, 9:00 AM–7:00 PM (local time).
• Address: P.O. Box 12345-00100, Nairobi, Kenya.

We notify you of changes to our Terms of Service or Privacy Policy via:
• In-app announcements.
• Emails to your registered address.
• Continued use after notification implies acceptance of updates.

• Most applications receive a decision within minutes.
• If additional verification is needed, it may take up to 24 hours. You'll be notified via the app or email.

• Contact support@ayalend.com or use the in-app chat. We respond within 15 working days.
• For privacy issues, reach our Data Protection Officer at dpo@avancanavida.co.
• If unresolved, you may escalate to the Ghana Data Protection Commission or Bank of Ghana.