Welcome to UTRAK Savings & Loans

UTRAK Savings and Loans is a registered financial house with its head office in Asokwa, Kumasi.

After establishing a strong presence in the hire purchase industry, UTRAK financial services now UTRAK Savings and Loans Limited applied for a license from Bank of Ghana to operate a Financial company under financial institution (Non-Banking) Law (PNDC 328) of 1993.

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UTRAK Asset Finance

UTRAK asset finance is the solution to your problem. With UTRAK asset finance, you can step into the future and enjoy your tomorrow today by getting your dream items today and pay by instalments.

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Business/SME Loan

It is a hassle free loan with competitive interest rate to help your business soar to the pedestal you envisage.

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Savings Account

Do you want to save for the rainy day and enjoy value for your money? Then UTRAK Savings account is all you need.

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Fixed Deposit

It is an investment product with competitive interest-yielding rate for our cherished customers. It offers customers the opportunity to invest their surplus funds.

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Over 20 Years of Effective Business Management & Superior Customer Services

UTRAK has been helping its cherished clients manage assets, provide financial advise and grow their business from the ground right to the apex.

Strategy & Planning

Bringing to the table a team of professionals to engage in strategic planning of your business for a win-win situation at the end of the day.

Client Satisfaction

Motivated by the satisfaction of our clients with our professional customer focused delivery, we cna only go on to do better.

Our company

Core Values in championing business excellence at UTRAK.

We leave no stone unturned when it comes to delivering excellent business results and a thrilling customer satisfaction.

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GHASALC is an association of all Savings and Loans Companies registered under the laws of Ghana and also licensed by Bank of Ghana.


To elevate the business of Savings and Loans Companies in Ghana to a level where it is considered the best among financial intermediaries focused on clients and shareholder value creation in Africa.

UTRAK Savings and Loans is a member of GHASALC

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We also offer the following amazing e - services at all our UTRAK branches nationwide.

Effective March 2, 2020

(Amount GHC) 1,000.00 to 5,000.00, (91 Days) 13.0%, (182 Days) 13.5%, (1 Year) 14.0% | (Amount GHC) 5,001.00 to 10,000.00, (91 Days) 15.5%, (182 Days) 16.0%, (1 Year) 16.5% | (Amount GHC) 10,001.00 to 16,000.00, (91 Days) 15.8%, (182 Days) 16.5%, (1 Year) 17.0% | (Amount GHC) 16,001.00 to 50,000.00, (91 Days) 18.0%, (182 Days) 19.0%, (1 Year) 19.5% | (Amount GHC) 50,001.00 to 100,000.00, (91 Days) 18.5%, (182 Days) 19.5%, (1 Year) 20.5% | (Amount GHC) Above 100,000.00 - NEGOTIABLE