Colatr
Colatr
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.
See the full process, including where your collateral is stored →
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.
Secure storage, tagged and photographed at intake, released the moment your loan is repaid — and any surplus from a sale is always returned to you.
See the full custody process →The calculator gives an estimate only. It does not submit an application. To apply, choose Start loan application below the result or at the top of this page.
Finance charge (7%): GHS 70. Valuation fee (2%): GHS 20. Redemption fee (1.5%): GHS 15.
The total to repay and redeem by the due date is GHS 1,105 (GHS 1,000 principal + GHS 70 finance charge + GHS 35 fees). Your written agreement states the exact due date and fee amounts.
If payment remains unpaid after the due date, a one-time GHS 22 late fee applies, plus 0.533% per day on the unpaid repayment amount. On GHS 1,105, the daily portion is about GHS 5.89 per day. If you do not repay or respond to notices, Colatr may sell the pledged item to recover the debt and costs; any surplus is returned to you.
Illustration only. Your signed agreement and disclosure statement give the exact figures for your loan.
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, electronics & valuables (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.
The flat finance charge is 7% for 14 days, 15% for 30 days, or 45% for 90 days, plus a 2% valuation fee and 1.5% redemption fee. Use the example near the calculator; your signed disclosure gives the cedi total and fee timing.
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 the full custody process.
If payment remains unpaid after the due date, a one-time GHS 22 late fee applies, plus a daily penalty of 0.533% on the amount overdue for each day it remains unpaid. If you do not repay or respond to notices, we may sell the collateral to recover the debt and costs; any surplus is returned to you.
Yes, any time — request early settlement from your account or by contacting us directly.
Once your loan is fully repaid and payment is confirmed, your collateral is released according to your agreement.
See our Privacy Policy for full detail on what we collect and how it's used.
This chat gives a rough estimate only. It does not start an application. Start loan application when you are ready.
Stuck? Tell us your device model, the page you were on, what you tapped and the last thing you saw. Send a troubleshooting message on WhatsApp. Please do not send passwords or ID photos.
Payments are processed securely by Paystack. The amount shown is the loan plus finance charge; any separate fees and their due dates are in your signed agreement. Payment confirmation may take a minute.