Bring a valid ID and an item of value — a phone, an accessory, or a vehicle — and walk away with a fair loan. Chat with our valuation assistant first, so you know roughly what to expect before you visit.
Chat with our valuation assistant about your phone, accessory, or vehicle — brand, model, age, condition.
We give you an estimated collateral value range. This is a guide only, not a guaranteed offer.
Bring the asset and a valid ID (Ghana Card, passport, or driver's licence) for physical inspection and ownership verification.
If approved, sign your Credit Agreement and Disclosure Statement, and receive your agreed loan amount.
Repay according to your agreement — in person, via mobile money, or online through your account.
Once your loan is fully repaid, your collateral is released back to you.
Smartphones in working condition — iPhone, Samsung, Tecno, Infinix and more.
Laptops, tablets, watches, headphones, gaming consoles and similar valuables.
Cars and motorbikes with valid registration — logbook required at appraisal.
These ranges are indicative only. Your final loan amount is confirmed after physical inspection and ID verification.
Phones and accessories are logged and kept in locked, access-limited storage at our premises. Vehicles are kept in secure parking.
Every item is tagged and photographed at intake, matched to your signed agreement — so nothing gets mixed up.
Only authorized Colatr staff can access stored collateral — ask our team about current storage and coverage arrangements.
Once your loan is fully repaid, your item is returned to you — no delay, no extra conditions.
We'll notify you in writing before taking any action. Collateral is only sold after your grace period passes with no response.
If collateral is sold, any amount left after your debt, fees, and sale costs are deducted is returned to you.
Any storage, working condition — we're actively looking for more of these.
Ultra and standard models both wanted, especially in Excellent/Good condition.
MacBook Air/Pro (M1 or newer), PS5, and Xbox Series X/S — sell or trade in for top value.
Have one of these? Use the tool above to see what we'd offer for it — or bring it in for a same-day quote.
Phones, accessories (laptops, tablets, watches, consoles), and vehicles — see "What we accept" above for indicative ranges by category.
A percentage of your item's collateral value, which factors in its market value, condition, and how easily it could be resold. Use the calculator above for an indicative figure.
We start from an estimated market value, then apply a loan-to-value percentage based on category and condition. Final valuation happens in person after physical inspection.
Yes. You must be the legal owner, free of any other claim on it. We may decline items where ownership can't be reasonably confirmed.
You choose: 14, 30, or 90 days at intake.
A flat finance charge for your chosen term, plus a valuation fee and a redemption fee — all disclosed in writing before you sign, nothing added afterward.
Phones and accessories in locked, access-limited storage on our premises; vehicles in secure parking with the logbook held for the loan's duration. See "Where's my collateral?" above.
A short grace period applies, then a daily penalty on the amount you owe. If you don't respond to our notices, we may sell the collateral — any surplus after your debt and costs is returned to you.
Yes, any time — request early settlement from your account or by contacting us directly.
Once your loan is fully repaid, it's returned to you immediately — no delay, no extra conditions.
See our Privacy Policy for full detail on what we collect and how it's used.
This chat gives a rough estimate only, based on general pricing guidelines. Final loan value is always confirmed in person after physical inspection of the item and ID verification.
Payments are processed securely by Paystack. Your loan is marked paid automatically once payment is confirmed — this can take a minute to reflect.