Ride-hailing company Uber has partnered with Ghanaian fintech Fido to provide instant loans to drivers on its platform, in a move aimed at easing the financial pressure many face on the job.
Through the partnership, eligible drivers can access loans of up to GH₵10,000 ($920) via Fido’s digital platform, without collateral or extensive paperwork. The process is designed to be fast, giving drivers quick access to funds for daily operational needs.
The initiative comes as ride-hailing drivers in Ghana continue to grapple with rising costs. Fuel prices, vehicle maintenance, and platform commissions have steadily reduced take-home earnings, leaving many drivers with little financial cushion for emergencies or business growth.
“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,” said Jada Badu, Uber’s country manager in Ghana. “This support gives drivers greater financial flexibility to manage day-to-day operational needs, maintain their vehicles, and stay on the road with confidence.”
Drivers will initially receive smaller loan amounts, with the option to unlock higher limits over time based on consistent repayment. The loans are processed quickly and require minimal documentation, helping drivers cover urgent expenses such as fuel, repairs, and other running costs.
Beyond loans, the partnership also gives qualifying drivers access to additional financial services from Fido. These include free insurance cover, discounted airtime and data bundles, and a flexible savings product, EasySave, developed in partnership with Access Bank.
EasySave allows users to earn returns on their savings while maintaining the flexibility to withdraw funds without penalties an approach tailored to the irregular income patterns common among gig workers.
“Through Uber’s platform, we are reaching a community of digitally active entrepreneurs who often face barriers to traditional banking services,” said Philip Twum, head of business development at Fido. “Our machine-learning-driven underwriting model allows us to extend instant credit responsibly while encouraging long-term financial discipline.”
Founded in 2015 by Nadav Topolski, Tomer Edry, and Nir Zepkowitz, Fido uses machine learning to assess creditworthiness and provide digital loans. The company says it serves more than 400,000 customers in Ghana and has expanded into markets such as Uganda, Zambia, and South Africa.
The deal marks Fido’s latest push into the ride-hailing sector. In 2025, the company partnered with Bolt in Ghana to offer similar credit solutions, highlighting its focus on gig-economy workers.
Across Africa, mobility platforms are increasingly expanding beyond ride services to support driver welfare. In Nigeria, inDrive recently partnered with Heala to provide healthcare access to drivers, while companies like Chowdeck are rolling out insurance and financial products to better support their workforce.