Uber drivers in Ghana now have faster access to working capital thanks to a new partnership with local fintech Fido. Announced on 17 March 2026, the collaboration enables eligible drivers to secure instant loans of up to GH₵10,000 (approximately $920) directly through Fido’s digital platform, with minimal paperwork and no collateral required.
The product targets the everyday financial pressures faced by ride-hailing operators, including vehicle maintenance, fuel costs, repairs, and daily operational expenses. Loans begin with smaller limits that grow as drivers demonstrate consistent repayment, encouraging responsible borrowing habits. Processing relies on Fido’s machine-learning underwriting model, which assesses creditworthiness using alternative data rather than traditional banking histories.
Integration happens through Uber’s existing platform, making the process seamless for drivers already active in the app ecosystem. Once approved, funds become available quickly, helping operators stay on the road without lengthy bank visits or heavy documentation. The partnership also bundles additional benefits such as free insurance cover, discounted airtime and data bundles, and EasySave, a flexible savings product offered in collaboration with Access Bank that earns returns without withdrawal penalties.
Jada Badu, Uber Ghana’s country manager, explained the reasoning behind the move: “By partnering with Fido, we are enabling drivers on the Uber platform to access credit that is fast, transparent, and tailored to the realities of running their business. This support gives drivers greater financial flexibility to manage day-to-day operational needs, maintain their vehicles, and stay on the road with confidence. Ultimately, it is about helping drivers operate more efficiently and unlock more consistent and sustainable earning opportunities.”
Philip Twum, head of business development at Fido, added context on the fintech side: “Through Uber’s platform, we are reaching a community of digitally active entrepreneurs who face barriers to traditional banking services, including limited formal credit histories and overbearing documentation requirements. Our machine-learning-driven underwriting model allows us to extend instant credit responsibly while fostering long-term financial discipline.”
Fido, founded in 2015, has grown into a major player in Ghana’s fintech space, serving more than 400,000 customers with instant loans, savings, and microinsurance products. The company has expanded into Uganda, Zambia, and South Africa, maintaining a focus on underserved individuals and small entrepreneurs. This Uber tie-up extends that mission by connecting credit tools directly to a large network of gig economy workers.
For drivers, the timing addresses rising operational costs and irregular income patterns common in ride-hailing work. Quick access to funds for urgent repairs or fuel can prevent lost earnings, while the savings product supports longer-term financial stability. Uber benefits from a more reliable driver pool that can sustain operations without frequent downtime.
The initiative forms part of broader efforts to support gig workers across Africa with tailored financial services. Eligible drivers can apply immediately via Fido’s platform, with rollout already underway following the announcement. As more drivers participate and build credit histories, the program is expected to scale, offering a model for other mobility platforms in the region.
This partnership demonstrates how fintech and ride-hailing companies can combine strengths to create practical solutions that improve livelihoods while strengthening platform ecosystems.
