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Finafrica Microfinance Guinee review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Finafrica Microfinance Guinee suits Guinean savers and borrowers with a minimum income or a running trade, and it lends directly rather than acting as a broker.

Key facts

Best for
A fixed rate on lending of GNF 10,000,000 to GNF 100,000,000 plus a fixed-term deposit paying 3% to 7%.
APR
2% to 3%↗
Loan amount
GNF 10,000,000 to GNF 100,000,000↗
Term
9 to 48 months↗
Rate type
Fixed↗
Lender type
Direct lender↗
Eligibility
Any natural or legal person with a minimum income and/or running an income-generating activity; ID photos, national ID or passport copy and a residence certificate required↗
Loan types
Personal, Business, Student, Guarantor↗
Legal entity
Finafrica Microfinance Guinée↗
Headquarters
Guinea↗
Founded
2005↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Official website
finafrica-microfinance.gn

Savings

Headline rate
3% to 7%↗
Minimum deposit
GNF 10,000,000↗
Access terms
Deposit placed for a set term, interest paid at maturity; target: any natural or legal person with funds to place↗
Account kind
Fixed↗

Personal insurance

Insurance types
Life↗
Provider type
Broker↗
Cover limit
GNF 6,000,000 death and total permanent disability, plus GNF 1,500,000 hospitalisation allowance↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
Google Play

Pros and cons

Pros

  • Fixed rate of 2% to 3% across terms of 9 to 48, so the cost of a loan does not drift while you repay it.
  • Licensed by the Banque Centrale de la Republique de Guinee, licence 007/LSFD/BCRG/2005.
  • Term deposit paying 3% to 7% from a GNF 10,000,000 minimum deposit, with interest settled at maturity.
  • Help by phone, email and a help centre, listed under phone, email and help centre.

Cons

  • Savings are fixed: the deposit sits for the set term and interest is paid only at maturity.
  • The GNF 10,000,000 minimum deposit puts the term deposit beyond the reach of small savers.
  • A single market operation in Guinea, so lending and deposits are not offered outside Guinea.
Finafrica Microfinance Guinee

Ready to try Finafrica Microfinance Guinee?

Scored 9.4 / 10 by SumCue.

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Who it suits

  • Guinean salaried workers and traders who can show a minimum income and ID papers, including businesses and legal persons.
  • Savers with GNF 10,000,000 to place who are content to leave it for a set term and collect interest at maturity.
  • Borrowers who want personal, business and student finance from one licensed provider rather than a marketplace.

Who should look elsewhere

  • Cashspace, whose lending is priced at PHP 12 to PHP 36 in a different market, if that rate range is your benchmark.
  • Creduma ES, where borrowing starts at from €12,000, if the amount you need sits above the range here.
  • Sofkredit, whose 10.74% to 18.06% sits above the 2% to 3% charged here, if cost is the deciding factor.

How Finafrica Microfinance Guinee compares

Where Finafrica Microfinance Guinee is available

Available
Guinea
Licence in Guinea
Banque Centrale de la Republique de Guinee (BCRG) (007/LSFD/BCRG/2005), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do I pay on a loan?+

Loans are priced at 2% to 3% and the rate type is fixed, so the cost stays put while you repay. Finafrica Microfinance Guinee works to a fixed rate approach and lends to people and businesses in Guinea in Guinean francs.

How much can I borrow, and over what term?+

Loan amounts run GNF 10,000,000 to GNF 100,000,000, with terms of 9 to 48. That range fits working capital and personal needs in Guinea rather than very short arrangements, and it is worth confirming which length fits your cash flow before applying.

What kinds of finance can I get?+

The range covers personal, business and student finance, so personal and business borrowers can use the same provider, with student lending and guarantor-backed options alongside. Finafrica Microfinance Guinee is a direct lender in GN rather than an intermediary.

Who regulates it?+

The regulator is the Banque Centrale de la Republique de Guinee, and the licence is recorded as 007/LSFD/BCRG/2005. The institution has been operating since 2005 under the legal name Finafrica Microfinance Guinee.

Is there insurance alongside the finance?+

Yes. The micro insurance offer is life cover, with a sum insured for death and total permanent disability plus a hospitalisation allowance. It is arranged as a broker, so the cover sits next to the loan rather than replacing it.

How do I get help?+

Support runs on phone, email and help centre, so you can reach the team by phone, by email or through the help centre, and the same routes cover loan and deposit questions. For an institution based in Guinea, direct contact carries more weight than app-based servicing.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check, Funding time, Representative example.

Finafrica Microfinance Guinee

Finafrica Microfinance Guinee

A fixed rate on lending of GNF 10,000,000 to GNF 100,000,000 plus a fixed-term deposit paying 3% to 7%.

9.4/10See alternatives