The Bank of Ghana (BoG) has intensified its crackdown on illegal digital lending, warning the public against engaging with 20 unlicensed digital credit service providers operating in the country. The practice it says, is in breach of the Directive for Digital Credit Service Providers in Ghana, which took effect in September 2025. The Bank identified the unlicensed loan applications as:Adamfo Loan Agyapacredit Amanfi Loan Arco Cash Aya Lend Bucks Now CediGo CGrab DumboCash FCash Gh Loans Gh Loans Pro Hasty Credit Newgry Money Tree Omanpesa PoPoCedi Ready Money Sika Tap Sikapa Loan Zigwe Loan“The general public is therefore strongly advised not to engage with unlicensed loan providers. Banks, Specialised Deposit-Taking Institutions (SDIs), and Payment Service Providers (PSPs) are also cautioned against facilitating or processing transactions on behalf of unlicensed loan providers”, the statement added. It is also encouraging members of the public to report the activities of unlicensed loan providers directly to the Bank as part of efforts to curb illegal digital lending and promote a safer, more transparent digital finance ecosystem.