About Our Company

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

For over 20 years, UTRAK has provided superior customer services to it customers. We have gone through the ranks.

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 Special Deposit Taking institution under Financial institution Law (PNDC 328) of 1993. The application was granted on the 13th day of September, 2006.

Now by dint of hard work and recognition by Bank of Ghana (BoG), we are a Savings  and Loans Company. We have come this far because of our commitment to delight our customers.


UTRAK Savings and Loans Limited seeks to attain its vision by being a pragmatic Non-Bank service provider in Ghana. The company is committed to a sustainable growth of small and medium scale enterprises in Ghana by providing them easy access to save through little savings scheme, microcredit, training and support for microenterprises. Through best financial practices, our reliable and well-motivated staff will support our customers to their utmost satisfaction, at the same time maximizing our stakeholder value.


To be the most trusted and preferred financial service provider in the communities we serve.

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