7 days
Pay any time within 7 days
In one or several payments, as you like, before the end
- Term
- 7 days
- Repayment
- Flexible
- Amounts
- 2,000 FCFA – 50,000 FCFA
| Amount borrowed (FCFA) | Standard rate |
|---|---|
| 2,000 – 10,000 | 10% |
| 10,001 – 50,000 | 8% |
Pricing and conditions
All our rules, plainly. The amounts, rates and time limits on this page come straight from our system: they are the ones that apply today.
Subscription fees
Subscription
500 FCFA
Once, at the end of sign-up. It covers checking your identity and reviewing your application.
Renewal
300 FCFA
Every 30 days, to keep requesting loans. We remind you before it’s due.
- Stopping renewals: don’t renew, or cancel in the app (Profile → Subscription). Any loan still running must still be repaid.
- The subscription does not guarantee a loan.
- Your mobile money operator may charge its usual fees for its own services.
Loan plans
Every active plan. You can ask for up to 1,000,000 FCFA, depending on the plan and your personal limit. Your first limit is 2,000 FCFA. It grows step by step as you repay on time.
14 days
Pay any time within 14 days
In one or several payments, as you like, before the end
- Term
- 14 days
- Repayment
- Flexible
- Amounts
- 2,000 FCFA – 50,000 FCFA
| Amount borrowed (FCFA) | Standard rate |
|---|---|
| 2,000 – 10,000 | 15% |
| 10,001 – 50,000 | 11% |
30 days
Pay any time within 30 days
In one or several payments, as you like, before the end
- Term
- 30 days
- Repayment
- Flexible
- Amounts
- 2,000 FCFA – 1,000,000 FCFA
- Checkpoint
- At least 30% of the total by day 15
| Amount borrowed (FCFA) | Standard rate |
|---|---|
| 2,000 – 10,000 | 20% |
| 10,001 – 50,000 | 15% |
| 50,001 – 200,000 | 12% |
| 200,001 – 1,000,000 | 10% |
4 payments
4 weekly payments
4 equal payments, every 7 days
- Term
- 28 days
- Repayment
- Fixed dates
- Amounts
- 10,000 FCFA – 200,000 FCFA
| Amount borrowed (FCFA) | Standard rate |
|---|---|
| 10,000 – 50,000 | 18% |
| 50,001 – 200,000 | 14% |
The rate on each row applies to the whole amount borrowed. Interest is fixed when you accept the offer and never goes up, even if you repay on the last day.
How offers work
- You ask for the amount you need, up to 1,000,000 FCFA.
- The offer can be lower than your request: it depends on your personal limit and the plan. A request may also be refused.
- An answer right away, or after review by our team, usually within 48 hours.
- Your personal rate always stays between 5% and 30%. It can be lower than the standard rate when your history is good.
- An offer is valid for 48 hours. After that, you can ask again.
- You accept or decline the offer. If you accept, you sign the loan agreement in the app before the money is sent.
If you pay late
- Tell us before the due date (Profile → Help) and we’ll look for a solution with you.
- Paying late lowers your limit for future loans.
- Late charges: none. Pretoh doesn’t charge anything for paying late.
- After 30 days late, the loan is in default: the account is blocked and the debt may be recovered in court, as your agreement says.
- We never contact your family, friends or employer about your loan.
Changing your mind: 48 hours
Return the amount lent within 48 hours of receiving the money: the loan is cancelled and you pay no interest.
In the app: open your loan, then “Changed your mind?”. A cancelled loan doesn’t count towards raising your limit.
Repaying
- Repay in the app with “Repay”, or approve the payment request sent to your phone on the due date.
- Repaying early or in several payments: possible at any time, at no extra cost.
- How a payment is applied: each payment goes first to interest, then late charges, then the amount lent.
- A payment counts once your operator confirms it. Keep the confirmation SMS.
Fee refunds
Subscription and renewal fees are refunded only in the cases set out in the Terms, for example a payment taken twice by mistake.