Terms of Credit

A request through this website starts a conversation; it does not create a lending agreement or guarantee approval. Caddy may ask for information or documents relevant to the requested facility and will explain the next step in the assessment process.

For the current website facilities, Caddy presents minimum request amounts, a two-week grace period after disbursement, twelve weekly payments and a 25% flat facility interest estimate. The final terms for an approved facility are those set out in the signed agreement.

• check_circleProvide information that is complete and accurate when making a request or completing an application.
• check_circleReview the indicative repayment calculation, then the final facility agreement, before accepting a loan.
• check_circleAsk Caddy for clarification if any requirement, fee, interest term or repayment date is unclear.
• check_circleKeep Caddy informed if your contact details or repayment circumstances change during an active facility.

If a facility is approved, Caddy will provide the applicable repayment schedule and the terms that govern the facility. Please review the agreement carefully, including the total repayment amount, repayment dates, any applicable conditions and the ways to contact Caddy if you have a question.

Do not sign an agreement until you understand it. If you need an explanation, contact Caddy or visit the Takoradi New Site office before proceeding.

For a question about an application, existing facility or these public terms, contact Caddy directly. If you need to raise a concern, use the dedicated Complaints page so the matter can be described clearly and sent to the team.