Enjoy a flexible payment plan for your travels
Zero Interest
Ease of Payment
Financial Freedom
The Travel Now Pay Later is an innovative financing package by Adansi Travels in partnership with some banks and financial institutions - Société General Ghana (SG Ghana), Access Bank, Ecobank, Dukab and Carbon Zero that enables staff and customers (salaried workers) of these institutions as well as salaried workers on the Controller & Accountant General’s payroll to access funding to patronize any of tours on sale by Adansi Travels or Tickets and pay later.


 


You can purchase any of the Travel Packages on sale by Adansi Travels as well as Tickets with a flexible financial arrangement leaving you with more opportunities to manage your trips.


 


Note: This is not a Work and Pay later Program.
Features of the Travel Loan
Ecobank
Limit: Up to the Cedi Equivalent of $5,000 (For Tours or Tickets)


Tenor: 18months


Interest Rate: subsidized Interest rate from market


Equity Contribution: N/A


Eligibility: Salaried Workers with their salary accounts resident with the bank
Access Bank
Limit: Ghs100,000 (For Tours or Tickets)


Tenor: 18 months


Interest Rate: 0% (for the first 6 months, after which interest is charged at the prevailing rate on the balance)


Commission: COMMISSION : 10% (To be paid by Adansi on Customers behalf)


Equity Contribution: 50%


Eligibility: Salaried workers with their salary accounts resident with the bank
SG Bank
Limit: As you qualify (For Tours or Tickets)


Tenor: 12 months (First 6 months is interest free after which interest applies at prevailing market rate)


Interest Rate: SUBSIDIZED BY 12% ON THE PREVAILING RATE.


Equity Contribution: 50%


Eligibility: Salaried workers with their salary accounts resident with the bank
Dukab
Limit: Based on your Affordability (For Tours or Tickets)


Tenor: 12 months


Interest Rate: Prevailing rate


Equity Contribution: N/A


Eligibility: All salaried workers on the Controller and Accountant General’s Payroll.
FREQUENTLY ASKED QUESTIONS (FAQs)
What is the Travel Now Pay Later All About?It is an innovative credit facility that enables customers to enjoy travel packages/tickets and pay back within the agreed period. This is put together by Adansi Travels with a partnership with some financial institutions including: Société Générale Ghana, Access Bank, Ecobank Ghana Limited, Dukab AB and Carbon Zero
Who qualifies for this service?1. Customers who operate a salary account with any of the partner banks: SG Bank, Access Bank and Ecobank Ghana Limited.

2. Employees paid by the controller and accountant Generals department

3. All other salaried workers and Business Owners
How can one apply?You can apply for the service at any branch of the partner banks, or  institutions, , Offices of Adansi Travels and Online.
What Interest Rate and charges will be applicable to the loan?1.      Ecobank

Interest Rate: subsidized Interest rate from market

 

2.    Access Bank

Interest Rate: 0% (for the first 6 months, after which interest is charged at the prevailing rate on the balance)

Commission: 10% (5% paid by Adansi and 5% paid by client)

 

3.    SG Bank

Interest Rate: 0% for first 6 months

 

4.    Dukab

Interest Rate: Prevailing rate

5.    Carbon Zero

Interest Rate: 0%Note: There is a loan insurance cover you must take if applicable by the financial institution.
What is the Tenor of the Loan?1.     Ecobank

Tenor: 18months

 

2.    Access Bank

Tenor: 12 months

 

3.    SG Bank

Tenor: 12 months (First 6 months is interest free after which interest applies at prevailing market rate)

 

4.    Dukab

Tenor: 12 months

 

5.    Carbon Zero

Tenor: 6 months
If I am unable to utilize my loan, what happen?1. Once a TNPL loan has been approved and disbursed, an agreement is legally binding between you and the Bank.

 

2. You will have to pay back the loan even if you are unable to utilize the Travel package.
What is the process flow for applying at the Branch of the Bank or Financial Institution?·      Complete a loan application form

 

·      Contact Adansi Travels for the Proforma Invoice for your chosen Travel package / Ticket

 

·      Fulfil the conditions precedent

 

·      Bank approves the loan 
·      Customer is notified to pick up their offer letter and executes it.

 

·      Customer receives Travel Package from Adansi

 

 

·      Customer enjoys the trip

 

·      Pays back as agreed
What is the process flow for applying at Adansi Office?·      Complete a the request form online or at the office.

 

·      Get Proforma Invoice for your chosen Travel package

 

·      Submit request to the qualifying bank or financial institution.

 

·      Meet the conditions precedent.

 

·      Bank approves loan.

 

·      Customer is notified to pick up their offer letter and execute

 

·      Customer receives Travel Package from Adansi

 

·      Customer enjoys the trip

 

·      Pays back as agreed
Can staff of Controller and Accountant General apply for TNPL Loan?Yes
Can employees whose salaries are processed by Controller and Accountant General apply for TNPL Loan?Yes, they can apply

 

They don’t need any equity contribution

 

They can access up to 100% of the Travel Package amount.
Does this cover every Adansi Travels package?Yes, if you meet the travel requirements of the chosen tour package.
Can this be extended to a family or friend?Yes, if you are capable of meeting all the requirements.
Can I enjoy this offer if am not a customer of any of the partner bank?No. Your salary should be domiciled at any of the partner banks or meet the qualifying criteria for any of the financial institutions.
Is this nationwide?Yes
Can self-employed people enjoy this?Only if you are applying through Carbon Zero.
If I want to go and work and pay later, is this program applicable to me?No
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