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Credit that
fits you.

Choose Cobalt for your credit needs, with products starting from ₵500.

Apply in-app

Terms and credit checks apply.

Personal loans.

Whether you’re looking to consolidate debt, purchase something big or make home improvements, Cobalt personal loans offer financing of up to ₵25,000, repayable over five years.

A person in a straw sun hat relaxing beside a turquoise swimming pool.
CobaltJust nowYour ₵10,000 loan is approved and ready in your account.

Credit cards.

All Cobalt credit cards come with an industry-leading 60-day interest-free period, 0% APR on spending for the first 12 months, and no foreign currency fees.

Your paid plan benefits carry over to your card too. Eligible cashback follows your plan’s monthly cap and any promotional offer terms. Gain options and visibility over how much you pay and when.

Silver, black and rose-gold Cobalt metal credit cards on tiered, finely fluted graphite metal podiums.

Mortgages.

For one of life’s biggest purchases, choose Cobalt. Mortgages up to ₵2,000,000, repayable over 30 years.

Get a dedicated mortgage team, with no issuance or arrangement fees.

A blue family home with a white porch, surrounded by leafy trees and a sunlit lawn.

Apply in three steps.

  1. Open the Cobalt app.

  2. Tap Credit.

  3. Apply for your chosen products.

Eligibility checks have no impact on your credit score. Full credit checks will be completed upon application.