Fido Partners with Uber to Provide Loans for Drivers in Ghana
Fido, Ghana’s leading digital credit
provider, has entered into a strategic partnership with Uber to deliver fast,
flexible and driver-centric financing solutions to drivers on the Uber platform
across the country.
Under the arrangement, eligible drivers
can access instant loans of up to GH₵10,000 through Fido’s fully digital
platform. The product is structured to reflect the realities of on-road
entrepreneurship, offering rapid processing, zero collateral requirements and
minimal documentation. In line with Fido’s responsible lending approach,
drivers begin with smaller credit limits and progressively unlock larger loans
through disciplined repayment behaviour.
Since launching in December 2025, the
partnership has seen strong uptake among drivers, signalling early product
market fit within Ghana’s growing ride hailing ecosystem. Exclusively
available to drivers on the Uber platform, the collaboration is designed to
strengthen financial resilience in a segment that has historically faced
limited access to formal credit. By combining Uber’s global mobility expertise
with Fido’s end to end digital lending capabilities, the partnership provides
Uber drivers with tailored access to working capital, helping improve day to
day cash flow and support more sustainable earning opportunities on the
platform.
Beyond credit access, qualifying drivers
will benefit from Fido’s broader suite of financial products, including free
insurance cover, discounted airtime and data top-ups, and flexible savings
through EasySave offered in partnership with Access Bank. Through EasySave,
drivers can access savings with more favourable returns than treasury bills yet
with the flexibility of fee-free, any day withdrawals. EasySave is designed to
promote disciplined savings while making room for emergencies – a structure
that meets the day-to-day realities of commercial driving.
Jada Badu, Country Manager for Uber
Ghana, said the initiative aligns with the company’s commitment to driver
welfare and economic empowerment. “By partnering with Fido, we are enabling
drivers on the Uber platform to access credit that is fast, transparent and
tailored to the realities of running their business. This support gives drivers
greater financial flexibility to manage their day to day operational needs,
maintain their vehicles and stay on the road with confidence. Ultimately, it is
about helping drivers operate more efficiently and unlock more consistent and
sustainable earning opportunities.”
Philip Twum, Head of Business Development
at Fido, noted that the partnership advances financial inclusion within Ghana’s
informal and semi-formal workforce. “Through Uber’s platform, we are reaching a
community of digitally active entrepreneurs who face various barriers to
traditional banking services, including a lack of formal credit histories and
overbearing documentation requirements. Our machine learning-driven
underwriting model allows us to extend instant credit responsibly while
fostering long-term financial discipline.”
Fido emphasises that the partnership aligns with
its mission to empower individuals and entrepreneurs to capture opportunities
in Africa. It underscores both companies’ dedication to leveraging technology
to unlock inclusive financial services for drivers in Ghana and sets the stage
for continued efforts to strengthen support for the ride-hailing workforce.
About Fido
Fido is a leading digital financial
services provider operating across Africa. Built on advanced proprietary
technology and machine learning-driven risk models, the company delivers
instant credit decisions — including for customers with limited or no formal
financial track records.
With more than 400,000 active customers
in Ghana, Fido provides accessible and reliable financial services to
underserved communities. In addition to Ghana, the company operates in Uganda,
Zambia and South Africa.
About Uber
Uber is a global technology platform that
connects riders and drivers, facilitating flexible earning opportunities and
enhancing urban mobility. Operating in over 70 countries and more than 10,000
cities worldwide, Uber provides ride-hailing and delivery services to millions
of users.
Its service portfolio includes
ride-hailing, food delivery through Uber Eats, courier services and business
mobility solutions. Through technology-enabled marketplaces, Uber seeks to
expand economic opportunity for independent drivers while improving transportation
accessibility and efficiency.