Happy Chat Loan

Own all the trendiest gadgets today and pay no interest

SG Ghana enables you to get yourself, family and friends sleek and trendy smartphones, tablets or laptops with ease.

We have partnered with some of the most popular vendors in order to help you buy the devices you want under great conditions.

The +


  • Get up to GHS 20,000 for your purchase 
  • Make easy, comfortable payments over 6, 9 or 12 months
  •  Pay monthly deductions via your SG Ghana current account.
  • To apply, simply get a “Happy Chat loan” form from any branch, complete and present it along with a proforma invoice from your selected vendor.

*All fees are updated regularly. For current applicable fees, please refer to the 2023 Tariff guide.

Find out more about the Societe Generale Ghana Happy Home Loans.  Simply visit any branch or call the Contact Centre on +233 (0) 302-214 314. Ts & Cs apply

How to apply

  • Get a proforma invoice from the vendor for the item you would like to buy.

  •  Visit any SG Ghana branch, complete a Happy Chat loan application form, and attach the proforma.

  • Take your loan approval letter to the vendor’s store and pick up your brand new device!


You must:

  • be an SG Ghana account holder

  • be a salaried worker from a listed company or a company with an institutional agreement with the bank

  • be a government worker whose salary is paid through Controller and Accountant General’s Department (CAGD)

List of Vendors

  • First New Age - 0545928333

  • TCL Electronics Ghana Ltd - 0263429112

  • Electroland Ghana Ltd - 0241143819

  • Hardeep Trading Company - 0242554522

  • Orca Deco Ghana Limited - 0244400444

  • Somotex Ghana Limited - 0540101372

  • Dukab Ab Enterprise - 0559614512