Lender
First Atlantic Bank
First Atlantic Bank Limited
Rates reported
9
Lowest of theirs
12.00%
Product details held
0 of 7
What this bank charges
Two kinds of figure. Where a section names a product, the rate is one First Atlantic Bank publishes itself — a price, with fees charged on top. Where it gives only a term, the figure is from Bank of Ghana’s monthly return: an average across whatever the bank lent in the period, which is a supervisory statistic rather than a price list. What any borrower is offered depends on the bank’s assessment of them.
mortgage credit
Lending rate 12.00%, as published. Fees are charged separately.
Corporate credit
Lending rate 11.71%, fees add 3.65 points. 0.68pp above the 21-bank average
Lending rate 12.56%, fees add 0.30 points. 0.79pp below the 14-bank average
Personal credit
Lending rate 14.40%, fees add 2.17 points. 2.69pp below the 21-bank average
Lending rate 13.03%, fees add 0.45 points. 3.20pp below the 20-bank average
SME credit
Lending rate 13.51%, fees add 3.08 points. 4.06pp below the 22-bank average
Lending rate 13.02%, fees add 1.06 points. 5.36pp below the 16-bank average
Lending rate 15.03%, fees add 0.69 points. 1.44pp below the 12-bank average
What we don’t know about your products
Bank of Ghana’s report contains averages, not terms. So a business reading this page learns what you charged on average and nothing about what you actually offer.
7 things we’d like from you
Send your business lending terms — facility names, minimums, security, who qualifies, how long a decision takes — and we’ll publish those alongside the regulatory figures, with your document cited and dated. Businesses comparing lenders would then see what you actually offer rather than an average.
We don’t charge to be listed, no lender can buy a ranking, and we cite the source beside every figure. Corrections are free and applied the same day. A higher reported average doesn’t make a lender worse — it may reflect who you lend to, and we’d rather publish your explanation than leave the number bare.
Not licensed by the Securities and Exchange Commission of Ghana. We publish factual comparisons of regulated products and do not provide investment advice, hold client money, or execute transactions. We are not a credit broker and do not arrange finance.
About this data
Free to quote · no permission needed
- Source
- Bank of Ghana's Annual Percentage Rate return
- Covering
- First Atlantic Bank, fees included, return dated 31 May 2026
- Last checked
- October 2026
- Method
- Read directly from the return Bank of Ghana requires every licensed bank to file. Rates are annual percentage rates with fees included, as the Bank published them. Where the bank publishes its own figures, those are shown separately and dated. Indicative: the rate a borrower is offered depends on the bank's assessment.
Cite this
First Atlantic Bank — lending rates, First Atlantic Bank, fees included, return dated 31 May 2026. Compiled by Cedafin from Bank of Ghana's Annual Percentage Rate return. https://www.cedafin.com/lenders/first-atlantic-bank (accessed 16 October 2026).
Use any of this without asking. No permission needed, no credit required — the line above is offered because a formatted citation is easier than composing one, not because we ask for it.