About Our Company

UTRAK Savings and Loans, headquartered in Asokwa, Kumasi, is a duly registered financial institution.

For more than two decades, UTRAK has been dedicated to providing exceptional customer service, earning us a distinguished reputation in the industry.


Having initially established a robust presence in the hire purchase sector, UTRAK Financial Services, now known as UTRAK Savings and Loans Limited, sought authorization from the Bank of Ghana to operate as a Special Deposit-Taking Institution under the Financial Institutions Law (PNDC 328) of 1993. Our application was approved on September 13, 2006.


Today, thanks to our unwavering commitment and acknowledgment from the Bank of Ghana (BoG), we proudly operate as a Savings and Loans Company. Our journey thus far has been driven by our steadfast dedication to exceeding customer expectations.


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