AN ALBRIM MICROFINANCE ACCOUNT
SPEND BEYOND YOUR BALANCE. DEPOSIT TO PAY BACK SMALL SMALL.
Get a credit limit on your account and spend from it. Then pay back what you use in small amounts over the days that follow. Pay Small Small is offered by Albrim Microfinance, a lender licensed by the Bank of Ghana.
Spending from your limit is a loan and must be paid back. Subject to Ghana Card verification, credit assessment and approval by Albrim Microfinance. Terms and conditions apply.
KOFI AMANKWAH
GHA-0012345678-9
Loan You Can Spend (GHS)
3,000.00
Your Deposit (GHS)
1,000.00
Loan To Payback (GHS)
0.00
WHAT IT IS
An account you spend from
An account you spend from
before you fund it.
Most accounts make you bring money first. Pay Small Small gives you a credit limit and lets you spend from that. The money you deposit afterwards is what clears what you spent, a little at a time over the days that follow.
You still get everything an everyday account should do: send and receive money, buy airtime and data, pay bills including ECG, and see every transaction. The difference is the limit sitting underneath it all.
HOW IT WORKS
Five steps, no forms to fill
You never apply for the limit. If you qualify, you simply see it on your account and again at checkout, before you commit to anything.
01
Activate
Verify your Ghana Card on the Albrim Pay Small Small app. Your account opens instantly.
02
Add money
Deposit from mobile money, your bank card, or your Hubtel Wallet. Nothing extra, ever.
03
Transact
Spend wherever Pay Small Small is accepted. Your balance is debited, no extra steps.
04
Access your limit
If you qualify, spend beyond your balance. You'll always see it clearly first, never assumed.
05
Deposit to clear it
Your deposits pay down what you spent, which keeps your limit open for next time.
STRAIGHT FROM YOUR PHONE
This is exactly what you'll see
No guesswork. Just your balance, your repayment schedule and checkout right where you already are.
See how “Pay small small” really is
Enter an amount to see how it breaks down into small repayments over your cycle.
▾
GHS
The highest loan you can take is GHS 20,000.
Your limit isn't a bill to pay back. Only what you use becomes a loan, and you can see its cost and daily payments here.
FOR AIRTIME & INTERNET DATA
See Full Calculator →
PAY TODAY
GHS 9.90
20% AT CHECKOUT
THEN PER DAY
GHS 6.60
6 INSTALMENTS
COST OF CREDIT
GHS 1.11
TOTAL TO REPAY
GHS 46.11
NO OF DAYS
7 days
WHO QUALIFIES
Three things decide your limit
Not everyone qualifies, and those who do will not all get the same limit. Here is what it actually depends on.
Verified
You verify your Ghana Card in the app. Without that, there is no credit relationship at all.
Assessed
Your creditworthiness is assessed through myCreditScore, a bureau licensed by the Bank of Ghana, alongside how you use your account. Albrim makes the final decision.
Current
Your limit works while you are up to date on what is due. Stay current and it stays open and it can grow.
YOUR TWO NUMBERS
Your limit is what you spend.
Your limit is what you spend.
Your balance is what pays it back.
01
Your credit limit
This is your spending power. It sits on the face of your card in the app, so you always know what you can spend before you get to a counter.
02
Your balance
This is your repayment money. Every cedi you deposit goes to clearing what you have already spent, which keeps your limit open and available.
“Two numbers, two jobs. Knowing which is which is the whole of how Pay Small Small works.”
WHY IT IS WORTH USING WELL
It builds your name, not just your balance.
Because your assessment and your repayments run through a Bank of Ghana-licensed credit bureau, handling Pay Small Small well strengthens your formal credit standing across the country, not only with us. If you have never had a credit record before, this account is a door into the formal credit system. That matters the next time you need a bigger facility from anyone.
What gets reported
Your repayment behaviour is shared with myCreditScore. That works both ways, and we would rather you heard it from us plainly:
Repaying on time builds a record other lenders can see.
Falling behind is also recorded, and can affect your ability to borrow elsewhere.
WHERE YOU CAN USE IT
Wherever Pay Small Small is accepted
From utility bills to everyday shopping, spend from your limit at any of these merchants.
WHY IT IS DIFFERENT
No application. No waiting.
No application. No waiting.
No loan officer.
You see it, you don't apply for it
Qualifying customers get a limit automatically. There is no form, no guarantor, and nobody deciding your character in a back office.
You only use what you need
The limit sits ready. You draw what the moment calls for and carry cost only on what you actually spend.
You see only what is due next
No looming balloon payment. Just the next small instalment, and a clear view of what is left.
HOW PEOPLE USE IT
Small small, in their own words
“My limit covers the restock day. I don't have to borrow from anyone, and I clear it as the sales come in.”
AS
Ama Serwaa
Business owner
“I pay my ECG bill from the app and forget about it. The daily amounts are small enough that I don't feel them.”
KM
Kwame Mensah
Business owner
“No forms, no waiting for a loan officer. The limit was just there one day when I went to pay.”
EB
Efua Boateng
Business owner
FOR MERCHANTS
Become a Merchant Partner
Get your money now. Your customers pay in parts.
Give customers more purchasing power at the counter and get settled immediately, every time, inside the payment tools you already use.
What you get:
Immediate settlement, every transaction
More customer purchasing power at checkout
Larger average basket size
Higher retention and more repeat visits
COMMON QUESTIONS
Everything you're wondering
Ready to spend small small?
Open an account on the Albrim Pay Small Small app. Verify your Ghana Card, and you're ready to go.
Create Account